<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY 
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<EXCHANGE-RATE>                                      1
<CASH>                                           5,177
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          14,821
<INVESTMENTS-MARKET>                            15,781
<LOANS>                                              0
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                  80,507
<DEPOSITS>                                      74,471
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,219
<LONG-TERM>                                          0
<COMMON>                                        11,078
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     (7,261)
<TOTAL-LIABILITIES-AND-EQUITY>                  80,507
<INTEREST-LOAN>                                  4,087
<INTEREST-INVEST>                                1,707
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,794
<INTEREST-DEPOSIT>                               1,502
<INTEREST-EXPENSE>                               1,758
<INTEREST-INCOME-NET>                            4,036
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,171
<INCOME-PRETAX>                                (1,210)
<INCOME-PRE-EXTRAORDINARY>                     (1,212)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (1,212)
<EPS-PRIMARY>                                   (0.97)
<EPS-DILUTED>                                   (0.97)
<YIELD-ACTUAL>                                    7.20
<LOANS-NON>                                        838
<LOANS-PAST>                                         6
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,478
<CHARGE-OFFS>                                    1,301
<RECOVERIES>                                       456
<ALLOWANCE-CLOSE>                                1,633
<ALLOWANCE-DOMESTIC>                             1,633
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0