<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 2,552 <INT-BEARING-DEPOSITS> 237 <FED-FUNDS-SOLD> 7,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 60,714 <ALLOWANCE> 4,229 <TOTAL-ASSETS> 82,557 <DEPOSITS> 60,156 <SHORT-TERM> 6,771 <LIABILITIES-OTHER> 5,183 <LONG-TERM> 1,720 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 8,727 <TOTAL-LIABILITIES-AND-EQUITY> 82,557 <INTEREST-LOAN> 8,885 <INTEREST-INVEST> 692 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,577 <INTEREST-DEPOSIT> 3,820 <INTEREST-EXPENSE> 5,199 <INTEREST-INCOME-NET> 4,378 <LOAN-LOSSES> 3,289 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 17,274 <INCOME-PRETAX> (2,920) <INCOME-PRE-EXTRAORDINARY> (2,920) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,698) <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.79 <LOANS-NON> 793 <LOANS-PAST> 1,317 <LOANS-TROUBLED> 948 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,307 <CHARGE-OFFS> 3,369 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 4,229 <ALLOWANCE-DOMESTIC> 4,229 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0