<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 5,629 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,122 <INVESTMENTS-CARRYING> 14,646 <INVESTMENTS-MARKET> 14,214 <LOANS> 52,735 <ALLOWANCE> 770 <TOTAL-ASSETS> 90,965 <DEPOSITS> 81,003 <SHORT-TERM> 957 <LIABILITIES-OTHER> 753 <LONG-TERM> 0 <COMMON> 3,696 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 90,965 <INTEREST-LOAN> 1,378 <INTEREST-INVEST> 326 <INTEREST-OTHER> 73 <INTEREST-TOTAL> 1,777 <INTEREST-DEPOSIT> 531 <INTEREST-EXPENSE> 541 <INTEREST-INCOME-NET> 1,236 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,102 <INCOME-PRETAX> 370 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 225 <EPS-PRIMARY> 0.21 <EPS-DILUTED> 0.20 <YIELD-ACTUAL> 6.34 <LOANS-NON> 659 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 659 <ALLOWANCE-OPEN> 756 <CHARGE-OFFS> 0 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 770 <ALLOWANCE-DOMESTIC> 770 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 299