<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-START>                             JAN-01-1995             JAN-01-1994
<PERIOD-END>                               MAR-31-1995             MAR-31-1994
<CASH>                                      14,673,089              15,223,830
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             6,500,000               3,300,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 47,212,495              54,537,725
<INVESTMENTS-CARRYING>                      45,490,853              45,598,639
<INVESTMENTS-MARKET>                        44,776,214              43,213,908
<LOANS>                                    148,785,002             141,458,341
<ALLOWANCE>                                  6,729,953               6,417,407
<TOTAL-ASSETS>                             273,381,073             271,060,757
<DEPOSITS>                                 245,286,737             235,474,507
<SHORT-TERM>                                 9,182,629              17,979,602
<LIABILITIES-OTHER>                            859,019                 954,004
<LONG-TERM>                                          0                       0
<COMMON>                                     5,523,735               5,523,735
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                  12,528,953              11,128,909
<TOTAL-LIABILITIES-AND-EQUITY>             273,381,073             271,060,757
<INTEREST-LOAN>                              3,467,820               2,904,379
<INTEREST-INVEST>                            1,635,471               1,079,175
<INTEREST-OTHER>                                20,385                  50,890
<INTEREST-TOTAL>                             5,123,676               4,034,444
<INTEREST-DEPOSIT>                           1,554,336               1,210,301
<INTEREST-EXPENSE>                           1,745,428               1,260,163
<INTEREST-INCOME-NET>                        3,378,248               2,774,281
<LOAN-LOSSES>                                  525,000                 215,006
<SECURITIES-GAINS>                                 781                  54,800
<EXPENSE-OTHER>                              3,444,534               3,418,975
<INCOME-PRETAX>                                348,782               (229,808)
<INCOME-PRE-EXTRAORDINARY>                     348,782               (229,808)
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   217,982               (126,208)
<EPS-PRIMARY>                                      .20                   (.12)
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0