<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> APR-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 3,149,991 <INT-BEARING-DEPOSITS> 9,779,000 <FED-FUNDS-SOLD> 14,100,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,367,584 <INVESTMENTS-CARRYING> 120,000 <INVESTMENTS-MARKET> 0 <LOANS> 23,960,243 <ALLOWANCE> 528,746 <TOTAL-ASSETS> 67,855,624 <DEPOSITS> 61,094,231 <SHORT-TERM> 0 <LIABILITIES-OTHER> 423,196 <LONG-TERM> 0 <COMMON> 4,453,300 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 1,811,744 <TOTAL-LIABILITIES-AND-EQUITY> 67,855,624 <INTEREST-LOAN> 737,384 <INTEREST-INVEST> 585,703 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,323,087 <INTEREST-DEPOSIT> 296,888 <INTEREST-EXPENSE> 296,888 <INTEREST-INCOME-NET> 1,026,199 <LOAN-LOSSES> 40,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 842,826 <INCOME-PRETAX> 295,453 <INCOME-PRE-EXTRAORDINARY> 295,453 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 173,553 <EPS-PRIMARY> 0.31 <EPS-DILUTED> 0.31 <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