<ARTICLE> 9
<LEGEND>
STATEMENTS FOR THE PERIOD ENDING MARCH 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                           4,766
<INT-BEARING-DEPOSITS>                              99
<FED-FUNDS-SOLD>                                 3,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     16,788
<INVESTMENTS-CARRYING>                          26,061
<INVESTMENTS-MARKET>                            25,284
<LOANS>                                         52,240
<ALLOWANCE>                                      1,112
<TOTAL-ASSETS>                                 105,659
<DEPOSITS>                                      96,762
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                452
<LONG-TERM>                                          0
<COMMON>                                           800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       7,645
<TOTAL-LIABILITIES-AND-EQUITY>                   8,445
<INTEREST-LOAN>                                  1,106
<INTEREST-INVEST>                                  673
<INTEREST-OTHER>                                    76
<INTEREST-TOTAL>                                 1,855
<INTEREST-DEPOSIT>                                 741
<INTEREST-EXPENSE>                                 741
<INTEREST-INCOME-NET>                            1,114
<LOAN-LOSSES>                                        9
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                    922
<INCOME-PRETAX>                                    333
<INCOME-PRE-EXTRAORDINARY>                         260
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       260
<EPS-PRIMARY>                                     1.62
<EPS-DILUTED>                                     1.62
<YIELD-ACTUAL>                                    7.62
<LOANS-NON>                                        795
<LOANS-PAST>                                       267
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    795
<ALLOWANCE-OPEN>                                 1,104
<CHARGE-OFFS>                                       16
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,112
<ALLOWANCE-DOMESTIC>                             1,112
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0