<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 16,025 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 18,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,568 <INVESTMENTS-CARRYING> 9,561 <INVESTMENTS-MARKET> 9,392 <LOANS> 111,679 <ALLOWANCE> 3,053 <TOTAL-ASSETS> 179,160 <DEPOSITS> 164,711 <SHORT-TERM> 0 <LIABILITIES-OTHER> 875 <LONG-TERM> 0 <COMMON> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 13,258 <OTHER-SE> 316 <TOTAL-LIABILITIES-AND-EQUITY> 13,574 <INTEREST-LOAN> 2,724 <INTEREST-INVEST> 494 <INTEREST-OTHER> 72 <INTEREST-TOTAL> 3,290 <INTEREST-DEPOSIT> 646 <INTEREST-EXPENSE> 646 <INTEREST-INCOME-NET> 2,644 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 2,398 <INCOME-PRETAX> 477 <INCOME-PRE-EXTRAORDINARY> 477 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 298 <EPS-PRIMARY> 0.23 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 5,379 <LOANS-PAST> 6 <LOANS-TROUBLED> 4,742 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,224 <CHARGE-OFFS> 199 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 3,053 <ALLOWANCE-DOMESTIC> 3,053 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0