<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 8,872 <INT-BEARING-DEPOSITS> 4,356 <FED-FUNDS-SOLD> 11,060 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 181 <INVESTMENTS-CARRYING> 1,218 <INVESTMENTS-MARKET> 1,215 <LOANS> 64,230 <ALLOWANCE> 1,099 <TOTAL-ASSETS> 91,740 <DEPOSITS> 84,720 <SHORT-TERM> 0 <LIABILITIES-OTHER> 380 <LONG-TERM> 0 <COMMON> 6,915 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (275) <TOTAL-LIABILITIES-AND-EQUITY> 91,740 <INTEREST-LOAN> 1,696 <INTEREST-INVEST> 181 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,877 <INTEREST-DEPOSIT> 498 <INTEREST-EXPENSE> 498 <INTEREST-INCOME-NET> 1,379 <LOAN-LOSSES> 49 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,012 <INCOME-PRETAX> 501 <INCOME-PRE-EXTRAORDINARY> 501 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 0 <EPS-PRIMARY> 0.39 <EPS-DILUTED> 0.39 <YIELD-ACTUAL> 10.56 <LOANS-NON> 1,005 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 402 <ALLOWANCE-OPEN> 1,050 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,099 <ALLOWANCE-DOMESTIC> 1,099 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 123