<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> 7,492 <INT-BEARING-DEPOSITS> 18 <FED-FUNDS-SOLD> 2,530 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,056 <INVESTMENTS-CARRYING> 29,625 <INVESTMENTS-MARKET> 0 <LOANS> 182,081 <ALLOWANCE> 2,136 <TOTAL-ASSETS> 271,606 <DEPOSITS> 232,053 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,415 <LONG-TERM> 2,743 <COMMON> 6,912 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 26,675 <TOTAL-LIABILITIES-AND-EQUITY> 271,606 <INTEREST-LOAN> 3,953 <INTEREST-INVEST> 1,084 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,037 <INTEREST-DEPOSIT> 1,905 <INTEREST-EXPENSE> 81 <INTEREST-INCOME-NET> 3,053 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,140 <INCOME-PRETAX> 1,199 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 864 <EPS-PRIMARY> 0.50 <EPS-DILUTED> 0.50 <YIELD-ACTUAL> 8.04 <LOANS-NON> 1,034 <LOANS-PAST> 443 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,033 <CHARGE-OFFS> 50 <RECOVERIES> 28 <ALLOWANCE-CLOSE> 2,136 <ALLOWANCE-DOMESTIC> 2,136 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0