<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM BALANCE
SHEET AS OF MARCH 31, 1995 AND INCOME STATEMENT FOR THE THREE MONTHS ENDING
MARCH 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH MARCH 31,
1995 FORM 10-QSB
</LEGEND>
<MULTIPLIER> 1000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                           7,898
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        107,927
<ALLOWANCE>                                      2,740
<TOTAL-ASSETS>                                 149,099
<DEPOSITS>                                     133,160
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              1,036
<LONG-TERM>                                          0
<COMMON>                                        16,129
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      (3,226)
<TOTAL-LIABILITIES-AND-EQUITY>                 149,099
<INTEREST-LOAN>                                  2,554
<INTEREST-INVEST>                                  248
<INTEREST-OTHER>                                   222
<INTEREST-TOTAL>                                 3,024
<INTEREST-DEPOSIT>                                 700
<INTEREST-EXPENSE>                                 704
<INTEREST-INCOME-NET>                            2,320
<LOAN-LOSSES>                                      228
<SECURITIES-GAINS>                                 (27)
<EXPENSE-OTHER>                                  2,846
<INCOME-PRETAX>                                    119
<INCOME-PRE-EXTRAORDINARY>                         119
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       218
<EPS-PRIMARY>                                      .10
<EPS-DILUTED>                                      .10
<YIELD-ACTUAL>                                    6.76
<LOANS-NON>                                      5,610
<LOANS-PAST>                                       768
<LOANS-TROUBLED>                                 2,316
<LOANS-PROBLEM>                                 15,053
<ALLOWANCE-OPEN>                                 2,727
<CHARGE-OFFS>                                      224
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                2,740
<ALLOWANCE-DOMESTIC>                             2,740
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0