<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1995 ANNUAL
REPORT AND IS QUALIFIED IN TIS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          16,207
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,509
<INVESTMENTS-CARRYING>                          53,540
<INVESTMENTS-MARKET>                            53,970
<LOANS>                                        163,376
<ALLOWANCE>                                      2,683
<TOTAL-ASSETS>                                 259,099
<DEPOSITS>                                     236,094
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,333
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                           17,680
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                         992
<TOTAL-LIABILITIES-AND-EQUITY>                 259,099
<INTEREST-LOAN>                                 16,158
<INTEREST-INVEST>                                3,625
<INTEREST-OTHER>                                   510
<INTEREST-TOTAL>                                20,293
<INTEREST-DEPOSIT>                               6,510
<INTEREST-EXPENSE>                               7,354
<INTEREST-INCOME-NET>                           12,939
<LOAN-LOSSES>                                      681
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,690
<INCOME-PRETAX>                                    470
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       313
<EPS-PRIMARY>                                     0.16
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                      2,513
<LOANS-PAST>                                       830
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,878
<ALLOWANCE-OPEN>                                 2,918
<CHARGE-OFFS>                                    1,074
<RECOVERIES>                                       158
<ALLOWANCE-CLOSE>                                2,683
<ALLOWANCE-DOMESTIC>                             2,683
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0