<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 3,567 <INT-BEARING-DEPOSITS> 4,655 <FED-FUNDS-SOLD> 22,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,021 <INVESTMENTS-CARRYING> 18,974 <INVESTMENTS-MARKET> 19,021 <LOANS> 84,652 <ALLOWANCE> (2,143) <TOTAL-ASSETS> 135,907 <DEPOSITS> 121,292 <SHORT-TERM> 21 <LIABILITIES-OTHER> 1,759 <LONG-TERM> 0 <PREFERRED-MANDATORY> 11,332 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 1,456 <TOTAL-LIABILITIES-AND-EQUITY> 135,907 <INTEREST-LOAN> 2,120 <INTEREST-INVEST> 360 <INTEREST-OTHER> 294 <INTEREST-TOTAL> 2,774 <INTEREST-DEPOSIT> 724 <INTEREST-EXPENSE> 728 <INTEREST-INCOME-NET> 2,046 <LOAN-LOSSES> 100 <SECURITIES-GAINS> (20) <EXPENSE-OTHER> 1,431 <INCOME-PRETAX> 600 <INCOME-PRE-EXTRAORDINARY> 600 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 534 <EPS-PRIMARY> 0.22 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0.086 <LOANS-NON> 983 <LOANS-PAST> 2,654 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,000 <CHARGE-OFFS> 74 <RECOVERIES> 116 <ALLOWANCE-CLOSE> 2,143 <ALLOWANCE-DOMESTIC> 2,143 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0