<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.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                           5,059
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,466
<INVESTMENTS-CARRYING>                          12,861
<INVESTMENTS-MARKET>                            12,987
<LOANS>                                         33,993
<ALLOWANCE>                                      1,712
<TOTAL-ASSETS>                                  76,940
<DEPOSITS>                                      67,349
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                406
<LONG-TERM>                                      1,831
<COMMON>                                        14,517
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     (7,163)
<TOTAL-LIABILITIES-AND-EQUITY>                  76,940
<INTEREST-LOAN>                                  1,027
<INTEREST-INVEST>                                  493
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,520
<INTEREST-DEPOSIT>                                 316
<INTEREST-EXPENSE>                                 424
<INTEREST-INCOME-NET>                            1,096
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,334
<INCOME-PRETAX>                                   (62)
<INCOME-PRE-EXTRAORDINARY>                        (62)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (62)
<EPS-PRIMARY>                                   (0.05)
<EPS-DILUTED>                                   (0.05)
<YIELD-ACTUAL>                                    8.60
<LOANS-NON>                                        838
<LOANS-PAST>                                       202
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,633
<CHARGE-OFFS>                                       38
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                1,712
<ALLOWANCE-DOMESTIC>                             1,633
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0