<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