<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                       5,639,763
<INT-BEARING-DEPOSITS>                      11,755,000
<FED-FUNDS-SOLD>                              2,800,00
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,046,565
<INVESTMENTS-CARRYING>                         120,000
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     23,771,964
<ALLOWANCE>                                   (432,559)
<TOTAL-ASSETS>                              68,830,029
<DEPOSITS>                                  62,023,797
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            421,322
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,453,300
<OTHER-SE>                                   1,931,610
<TOTAL-LIABILITIES-AND-EQUITY>              68,830,029
<INTEREST-LOAN>                              2,904,107
<INTEREST-INVEST>                            2,295,941
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,200,048
<INTEREST-DEPOSIT>                           1,199,411
<INTEREST-EXPENSE>                           1,199,411
<INTEREST-INCOME-NET>                        4,000,637
<LOAN-LOSSES>                                 (649,000)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,399,064
<INCOME-PRETAX>                                562,095
<INCOME-PRE-EXTRAORDINARY>                     562,095
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   329,095
<EPS-PRIMARY>                                     0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    6.42
<LOANS-NON>                                    102,575
<LOANS-PAST>                                   167,113
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                163,333
<ALLOWANCE-OPEN>                               498,827
<CHARGE-OFFS>                                  785,250
<RECOVERIES>                                    69,982
<ALLOWANCE-CLOSE>                              432,559
<ALLOWANCE-DOMESTIC>                           432,559
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0