<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               MAR-31-1996             DEC-31-1995
<CASH>                                             438                     322
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<ALLOWANCE>                                        309                     317
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<OTHER-SE>                                       2,103                   2,059
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<INTEREST-OTHER>                                    21                      99
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<INTEREST-DEPOSIT>                                 297                   1,075
<INTEREST-EXPENSE>                                 297                   1,078
<INTEREST-INCOME-NET>                              227                     926
<LOAN-LOSSES>                                      (9)                    (21)
<SECURITIES-GAINS>                                   0                       0
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<YIELD-ACTUAL>                                    7.39                    6.77
<LOANS-NON>                                         70                     155
<LOANS-PAST>                                         5                       6
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<CHARGE-OFFS>                                        0                       7
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