<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FROM THE
COMPANY'S FORM 10-K FOR THE YEAR-TO-DATE AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           1,619
<INT-BEARING-DEPOSITS>                              51
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,918
<INVESTMENTS-CARRYING>                              19
<INVESTMENTS-MARKET>                                19
<LOANS>                                        112,906
<ALLOWANCE>                                      2,061
<TOTAL-ASSETS>                                 140,389
<DEPOSITS>                                     109,203
<SHORT-TERM>                                    16,420
<LIABILITIES-OTHER>                              1,706
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            23
<OTHER-SE>                                       8,037
<TOTAL-LIABILITIES-AND-EQUITY>                 140,389
<INTEREST-LOAN>                                  9,002
<INTEREST-INVEST>                                1,289
<INTEREST-OTHER>                                   319
<INTEREST-TOTAL>                                10,609
<INTEREST-DEPOSIT>                               6,214
<INTEREST-EXPENSE>                               8,026
<INTEREST-INCOME-NET>                            2,583
<LOAN-LOSSES>                                      779
<SECURITIES-GAINS>                               (943)
<EXPENSE-OTHER>                                  4,848
<INCOME-PRETAX>                                (3,481)
<INCOME-PRE-EXTRAORDINARY>                     (2,250)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (2,250)
<EPS-PRIMARY>                                   (1.00)
<EPS-DILUTED>                                   (1.00)
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                      3,326
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,122
<ALLOWANCE-OPEN>                                 1,975
<CHARGE-OFFS>                                      707
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                2,061
<ALLOWANCE-DOMESTIC>                             2,061
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0