<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 4,972,000 <INT-BEARING-DEPOSITS> 6,528,000 <FED-FUNDS-SOLD> 9,820,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,665,000 <INVESTMENTS-CARRYING> 13,658,000 <INVESTMENTS-MARKET> 13,665,000 <LOANS> 79,953,000 <ALLOWANCE> 1,703,000 <TOTAL-ASSETS> 116,904,000 <DEPOSITS> 105,684,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 478,000 <LONG-TERM> 0 <COMMON> 11,332,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (590,000) <TOTAL-LIABILITIES-AND-EQUITY> 116,904,000 <INTEREST-LOAN> 2,195,000 <INTEREST-INVEST> 194,000 <INTEREST-OTHER> 311,000 <INTEREST-TOTAL> 2,700,000 <INTEREST-DEPOSIT> 610,000 <INTEREST-EXPENSE> 610,000 <INTEREST-INCOME-NET> 2,090,000 <LOAN-LOSSES> 275,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,370,000 <INCOME-PRETAX> 570,000 <INCOME-PRE-EXTRAORDINARY> 570,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 507,000 <EPS-PRIMARY> 0.21 <EPS-DILUTED> 0.21 <YIELD-ACTUAL> .070 <LOANS-NON> 973,000 <LOANS-PAST> 2,617,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,391,000 <CHARGE-OFFS> 18,000 <RECOVERIES> 55,000 <ALLOWANCE-CLOSE> 1,703,000 <ALLOWANCE-DOMESTIC> 1,703,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0