<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 15494 <INT-BEARING-DEPOSITS> 362352 <FED-FUNDS-SOLD> 500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 71899 <INVESTMENTS-CARRYING> 20597 <INVESTMENTS-MARKET> 19513 <LOANS> 344590 <ALLOWANCE> 2370 <TOTAL-ASSETS> 466992 <DEPOSITS> 406507 <SHORT-TERM> 4000 <LIABILITIES-OTHER> 3857 <LONG-TERM> 0 <COMMON> 62 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 51823 <TOTAL-LIABILITIES-AND-EQUITY> 466992 <INTEREST-LOAN> 7471 <INTEREST-INVEST> 1344 <INTEREST-OTHER> 1376 <INTEREST-TOTAL> 8847 <INTEREST-DEPOSIT> 3295 <INTEREST-EXPENSE> 3364 <INTEREST-INCOME-NET> 5415 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4305 <INCOME-PRETAX> 2097 <INCOME-PRE-EXTRAORDINARY> 1399 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1399 <EPS-PRIMARY> .23 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.18 <LOANS-NON> 1030 <LOANS-PAST> 451 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 11 <RECOVERIES> 45 <ALLOWANCE-CLOSE> 2370 <ALLOWANCE-DOMESTIC> 2370 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0