<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> 9,272 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 21,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,102 <INVESTMENTS-CARRYING> 315 <INVESTMENTS-MARKET> 315 <LOANS> 82,012 <ALLOWANCE> 3,805 <TOTAL-ASSETS> 131,992 <DEPOSITS> 120,243 <SHORT-TERM> 4,497 <LIABILITIES-OTHER> 1,241 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 24,614 <OTHER-SE> (18,603) <TOTAL-LIABILITIES-AND-EQUITY> 131,992 <INTEREST-LOAN> 9,299 <INTEREST-INVEST> 1,395 <INTEREST-OTHER> 940 <INTEREST-TOTAL> 11,634 <INTEREST-DEPOSIT> 3,869 <INTEREST-EXPENSE> 3,979 <INTEREST-INCOME-NET> 7,655 <LOAN-LOSSES> 2,307 <SECURITIES-GAINS> (2,527) <EXPENSE-OTHER> 11,233 <INCOME-PRETAX> (7,200) <INCOME-PRE-EXTRAORDINARY> (7,200) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (7,200) <EPS-PRIMARY> (2.34) <EPS-DILUTED> (2.34) <YIELD-ACTUAL> 5.52 <LOANS-NON> 573 <LOANS-PAST> 221 <LOANS-TROUBLED> 5,167 <LOANS-PROBLEM> 1,649 <ALLOWANCE-OPEN> 3,063 <CHARGE-OFFS> 2,632 <RECOVERIES> 1,067 <ALLOWANCE-CLOSE> 3,805 <ALLOWANCE-DOMESTIC> 3,805 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0