<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