<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 3729000 <INT-BEARING-DEPOSITS> 78250000 <FED-FUNDS-SOLD> 2700000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 28030000 <INVESTMENTS-MARKET> 28036000 <LOANS> 57509000 <ALLOWANCE> 1112000 <TOTAL-ASSETS> 99700000 <DEPOSITS> 85597000 <SHORT-TERM> 305000 <LIABILITIES-OTHER> 225000 <LONG-TERM> 2610000 <COMMON> 7311000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 99700000 <INTEREST-LOAN> 1533000 <INTEREST-INVEST> 442000 <INTEREST-OTHER> 37000 <INTEREST-TOTAL> 2012000 <INTEREST-DEPOSIT> 654000 <INTEREST-EXPENSE> 70000 <INTEREST-INCOME-NET> 1288000 <LOAN-LOSSES> 20000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1149000 <INCOME-PRETAX> 332000 <INCOME-PRE-EXTRAORDINARY> 332000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 234000 <EPS-PRIMARY> .18 <EPS-DILUTED> .18 <YIELD-ACTUAL> 0.058 <LOANS-NON> 765000 <LOANS-PAST> 116000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1127000 <CHARGE-OFFS> 42000 <RECOVERIES> 7000 <ALLOWANCE-CLOSE> 1112000 <ALLOWANCE-DOMESTIC> 1112000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0