<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 25,019 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 55,750 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 107,810 <INVESTMENTS-CARRYING> 135,749 <INVESTMENTS-MARKET> 134,961 <LOANS> 303,932 <ALLOWANCE> 3,337 <TOTAL-ASSETS> 650,510 <DEPOSITS> 581,530 <SHORT-TERM> 8,584 <LIABILITIES-OTHER> 2,767 <LONG-TERM> 0 <COMMON> 429 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 57,200 <TOTAL-LIABILITIES-AND-EQUITY> 650,510 <INTEREST-LOAN> 6,432 <INTEREST-INVEST> 3,957 <INTEREST-OTHER> 653 <INTEREST-TOTAL> 11,042 <INTEREST-DEPOSIT> 4,342 <INTEREST-EXPENSE> 4,534 <INTEREST-INCOME-NET> 6,508 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (53) <EXPENSE-OTHER> 5,865 <INCOME-PRETAX> 2,189 <INCOME-PRE-EXTRAORDINARY> 1,463 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,463 <EPS-PRIMARY> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 7.57 <LOANS-NON> 3,506 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,373 <CHARGE-OFFS> 121 <RECOVERIES> 85 <ALLOWANCE-CLOSE> 3,337 <ALLOWANCE-DOMESTIC> 3,337 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0