<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