<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                       7,415,939
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,845,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,786,457
<INVESTMENTS-CARRYING>                      83,230,325
<INVESTMENTS-MARKET>                        83,340,000
<LOANS>                                     60,395,779
<ALLOWANCE>                                    928,676
<TOTAL-ASSETS>                             167,612,509
<DEPOSITS>                                 139,016,284
<SHORT-TERM>                                 5,205,492
<LIABILITIES-OTHER>                            851,625
<LONG-TERM>                                          0
<COMMON>                                     7,321,560
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  15,217,548
<TOTAL-LIABILITIES-AND-EQUITY>              22,539,108
<INTEREST-LOAN>                              1,375,706
<INTEREST-INVEST>                            1,547,679
<INTEREST-OTHER>                                90,394
<INTEREST-TOTAL>                             3,013,779
<INTEREST-DEPOSIT>                           1,015,212
<INTEREST-EXPENSE>                           1,073,476
<INTEREST-INCOME-NET>                        1,940,303
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,392,826
<INCOME-PRETAX>                                696,269
<INCOME-PRE-EXTRAORDINARY>                     696,269
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   551,382
<EPS-PRIMARY>                                     0.75
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                    5.52
<LOANS-NON>                                    104,258
<LOANS-PAST>                                   106,746
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,732,773
<ALLOWANCE-OPEN>                               890,666
<CHARGE-OFFS>                                   11,805
<RECOVERIES>                                     4,815
<ALLOWANCE-CLOSE>                              928,676
<ALLOWANCE-DOMESTIC>                           117,470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        811,206