<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FROM 10-QSB AND IS QUALIFIED IN TIS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> MAR-31-1995 <CASH> 3541700 <INT-BEARING-DEPOSITS> 1179000 <FED-FUNDS-SOLD> 4500000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2994400 <INVESTMENTS-CARRYING> 13942200 <INVESTMENTS-MARKET> 0 <LOANS> 55440900 <ALLOWANCE> 919800 <TOTAL-ASSETS> 89078300 <DEPOSITS> 83202200 <SHORT-TERM> 0 <LIABILITIES-OTHER> 386600 <LONG-TERM> 0 <COMMON> 8080000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (2692800) <TOTAL-LIABILITIES-AND-EQUITY> 89078300 <INTEREST-LOAN> 1289200 <INTEREST-INVEST> 324100 <INTEREST-OTHER> 28100 <INTEREST-TOTAL> 1641400 <INTEREST-DEPOSIT> 363700 <INTEREST-EXPENSE> 9500 <INTEREST-INCOME-NET> 1268200 <LOAN-LOSSES> 90000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1237800 <INCOME-PRETAX> 12100 <INCOME-PRE-EXTRAORDINARY> 12100 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 12100 <EPS-PRIMARY> 0.01 <EPS-DILUTED> 0.01 <YIELD-ACTUAL> 6.40 <LOANS-NON> 1980000 <LOANS-PAST> 836000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 796500 <CHARGE-OFFS> 31500 <RECOVERIES> 64700 <ALLOWANCE-CLOSE> 919800 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0