<ARTICLE> 9
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                       2,691,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,750,000
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                         4,335,000
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<ALLOWANCE>                                    811,000
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<DEPOSITS>                                  53,693,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,254,000
<LONG-TERM>                                    460,000
<COMMON>                                     1,005,000
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<OTHER-SE>                                   4,686,000
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<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                838,000
<INCOME-PRETAX>                               (78,000)
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<EPS-PRIMARY>                                   (0.24)
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<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                     44,000
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<CHARGE-OFFS>                                        0
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        568,000