<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR PERIOD ENDED 3/31/95 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          18,416
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          59,892
<INVESTMENTS-MARKET>                            58,900
<LOANS>                                        145,157
<ALLOWANCE>                                      2,359
<TOTAL-ASSETS>                                 233,261
<DEPOSITS>                                     188,500
<SHORT-TERM>                                    25,220
<LIABILITIES-OTHER>                              1,186
<LONG-TERM>                                          0
<COMMON>                                        15,113
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       3,242
<TOTAL-LIABILITIES-AND-EQUITY>                 233,261
<INTEREST-LOAN>                                  3,799
<INTEREST-INVEST>                                  935
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                 4,763
<INTEREST-DEPOSIT>                               1,365
<INTEREST-EXPENSE>                               1,732
<INTEREST-INCOME-NET>                            3,031
<LOAN-LOSSES>                                      431
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,927
<INCOME-PRETAX>                                    166
<INCOME-PRE-EXTRAORDINARY>                         106
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       106
<EPS-PRIMARY>                                     0.06
<EPS-DILUTED>                                     0.06
<YIELD-ACTUAL>                                    .058
<LOANS-NON>                                      2,743
<LOANS-PAST>                                       256
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,918
<CHARGE-OFFS>                                    1,001
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                                2,359
<ALLOWANCE-DOMESTIC>                             2,359
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0