<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Balance
Sheet, and Statement of Income, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               MAR-31-1995
<CASH>                                      11,968,347
<INT-BEARING-DEPOSITS>                         102,647
<FED-FUNDS-SOLD>                             6,612,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,469,688
<INVESTMENTS-CARRYING>                       8,530,276
<INVESTMENTS-MARKET>                         8,407,000
<LOANS>                                     53,231,237
<ALLOWANCE>                                (1,553,555)
<TOTAL-ASSETS>                              82,647,932
<DEPOSITS>                                  74,873,783
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            561,105
<LONG-TERM>                                          0
<COMMON>                                     3,921,584
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    103,000
<OTHER-SE>                                   3,188,460
<TOTAL-LIABILITIES-AND-EQUITY>              82,647,932
<INTEREST-LOAN>                              1,532,225
<INTEREST-INVEST>                              141,103
<INTEREST-OTHER>                                68,241
<INTEREST-TOTAL>                             1,741,569
<INTEREST-DEPOSIT>                             472,178
<INTEREST-EXPENSE>                             472,178
<INTEREST-INCOME-NET>                        1,269,391
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,326,482
<INCOME-PRETAX>                                434,068
<INCOME-PRE-EXTRAORDINARY>                     258,068
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   258,068
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .29
<YIELD-ACTUAL>                                    7.43
<LOANS-NON>                                    250,006
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,505,355
<CHARGE-OFFS>                                        0
<RECOVERIES>                                     3,200
<ALLOWANCE-CLOSE>                            1,553,555
<ALLOWANCE-DOMESTIC>                         1,553,555
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0