<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTIANS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
REGISTRANT'S BALANCE SHEET AS OF MARCH 31, 1995 AND THE STATEMENT OF INCOME FOR
THE THREE MONTHS ENDED MARCH 31, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES THERETO.
</LEGEND>
<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>                                          27,764
<INT-BEARING-DEPOSITS>                           1,287
<FED-FUNDS-SOLD>                                23,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,096
<INVESTMENTS-CARRYING>                          15,244
<INVESTMENTS-MARKET>                            14,872
<LOANS>                                        243,952
<ALLOWANCE>                                      3,608
<TOTAL-ASSETS>                                 343,233
<DEPOSITS>                                     313,234
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                919
<LONG-TERM>                                        236
<COMMON>                                        10,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      16,872
<TOTAL-LIABILITIES-AND-EQUITY>                 343,233
<INTEREST-LOAN>                                  7,084
<INTEREST-INVEST>                                  685
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,769
<INTEREST-DEPOSIT>                               1,857
<INTEREST-EXPENSE>                               1,877
<INTEREST-INCOME-NET>                            5,892
<LOAN-LOSSES>                                      630
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,234
<INCOME-PRETAX>                                  1,262
<INCOME-PRE-EXTRAORDINARY>                         781
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       781
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0