<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> 13,381 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,897 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 204,482 <ALLOWANCE> (2,789) <TOTAL-ASSETS> 328,709 <DEPOSITS> 234,081 <SHORT-TERM> 49,133 <LIABILITIES-OTHER> 5,366 <LONG-TERM> 1,054 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 582 <OTHER-SE> 38,493 <TOTAL-LIABILITIES-AND-EQUITY> 328,709 <INTEREST-LOAN> 4,258 <INTEREST-INVEST> 1,225 <INTEREST-OTHER> 266 <INTEREST-TOTAL> 5,749 <INTEREST-DEPOSIT> 2,028 <INTEREST-EXPENSE> 2,777 <INTEREST-INCOME-NET> 2,972 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,205 <INCOME-PRETAX> 600 <INCOME-PRE-EXTRAORDINARY> 600 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 392 <EPS-PRIMARY> .01 <EPS-DILUTED> .01 <YIELD-ACTUAL> 8.13 <LOANS-NON> 504 <LOANS-PAST> 271 <LOANS-TROUBLED> 775 <LOANS-PROBLEM> 2,198 <ALLOWANCE-OPEN> 2,756 <CHARGE-OFFS> (535) <RECOVERIES> 108 <ALLOWANCE-CLOSE> 2,789 <ALLOWANCE-DOMESTIC> 2,789 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0