<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 13,660 <INT-BEARING-DEPOSITS> 180 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 59,539 <ALLOWANCE> 3,800 <TOTAL-ASSETS> 92,222 <DEPOSITS> 64,748 <SHORT-TERM> 10,000 <LIABILITIES-OTHER> 5,658 <LONG-TERM> 1,720 <COMMON> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,096 <TOTAL-LIABILITIES-AND-EQUITY> 92,222 <INTEREST-LOAN> 7,910 <INTEREST-INVEST> 459 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 8,369 <INTEREST-DEPOSIT> 2,027 <INTEREST-EXPENSE> 2,831 <INTEREST-INCOME-NET> 5,538 <LOAN-LOSSES> 1,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,497 <INCOME-PRETAX> (843) <INCOME-PRE-EXTRAORDINARY> (843) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (329) <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 12.42 <LOANS-NON> 4,800 <LOANS-PAST> 1,359 <LOANS-TROUBLED> 217 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,307 <CHARGE-OFFS> 1,508 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 3,800 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0