<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 7,967 <INT-BEARING-DEPOSITS> 678,903 <FED-FUNDS-SOLD> 7,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,997 <INVESTMENTS-CARRYING> 54,494 <INVESTMENTS-MARKET> 52,515 <LOANS> 540,823 <ALLOWANCE> 26,019 <TOTAL-ASSETS> 724,300 <DEPOSITS> 681,421 <SHORT-TERM> 8,585 <LIABILITIES-OTHER> 4,984 <LONG-TERM> 0 <COMMON> 2,599 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 26,711 <TOTAL-LIABILITIES-AND-EQUITY> 724,300 <INTEREST-LOAN> 10,808 <INTEREST-INVEST> 1,876 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 12,484 <INTEREST-DEPOSIT> 7,466 <INTEREST-EXPENSE> 7,913 <INTEREST-INCOME-NET> 4,571 <LOAN-LOSSES> 12,745 <SECURITIES-GAINS> 2,902 <EXPENSE-OTHER> 5,121 <INCOME-PRETAX> (9,544) <INCOME-PRE-EXTRAORDINARY> (9,544) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (10,129) <EPS-PRIMARY> (3.90) <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.77 <LOANS-NON> 34,220 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,884 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21,461 <CHARGE-OFFS> 128 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 26,019 <ALLOWANCE-DOMESTIC> 26,019 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0