<ARTICLE> 9
<LEGEND>
CONSOLIDATED FINANCIAL STATEMENTS AS OF DECEMBER 31, 1994 AND 1993 AND FOR EACH
OF THE THREE YEARS IN THE PERIOD ENDED DECEMBER 31, 1994 AND INDEPENDENT
AUDITORS' REPORT
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                       4,677,000
<INT-BEARING-DEPOSITS>                       6,627,000
<FED-FUNDS-SOLD>                            21,300,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,807,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     55,119,000
<ALLOWANCE>                                  1,390,000
<TOTAL-ASSETS>                             124,287,000
<DEPOSITS>                                 113,666,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            399,000
<LONG-TERM>                                          0
<COMMON>                                    11,332,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>             124,287,000
<INTEREST-LOAN>                              7,662,000
<INTEREST-INVEST>                              393,000
<INTEREST-OTHER>                               985,000
<INTEREST-TOTAL>                             9,040,000
<INTEREST-DEPOSIT>                           2,432,000
<INTEREST-EXPENSE>                           2,432,000
<INTEREST-INCOME-NET>                        6,608,000
<LOAN-LOSSES>                                  250,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,162,000
<INCOME-PRETAX>                              1,003,000
<INCOME-PRE-EXTRAORDINARY>                   1,001,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,001,000
<EPS-PRIMARY>                                     0.42
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    .058
<LOANS-NON>                                  1,389,000
<LOANS-PAST>                                 1,473,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,250,000
<CHARGE-OFFS>                                1,303,000
<RECOVERIES>                                   193,000
<ALLOWANCE-CLOSE>                            1,390,000
<ALLOWANCE-DOMESTIC>                         1,390,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0