<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 5,270 <INT-BEARING-DEPOSITS> 46 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15,003 <INVESTMENTS-CARRYING> 48,680 <INVESTMENTS-MARKET> 48,027 <LOANS> 155,158 <ALLOWANCE> 1,772 <TOTAL-ASSETS> 232,308 <DEPOSITS> 200,738 <SHORT-TERM> 3,300 <LIABILITIES-OTHER> 2,638 <LONG-TERM> 1,874 <COMMON> 1,335 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 18,426 <TOTAL-LIABILITIES-AND-EQUITY> 232,308 <INTEREST-LOAN> 3,553 <INTEREST-INVEST> 1,075 <INTEREST-OTHER> 1 <INTEREST-TOTAL> 4,629 <INTEREST-DEPOSIT> 2,109 <INTEREST-EXPENSE> 2,313 <INTEREST-INCOME-NET> 2,315 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 1,709 <INCOME-PRETAX> 848 <INCOME-PRE-EXTRAORDINARY> 608 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 608 <EPS-PRIMARY> .46 <EPS-DILUTED> .46 <YIELD-ACTUAL> 0 <LOANS-NON> 1,300 <LOANS-PAST> 124 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,721 <CHARGE-OFFS> 0 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 1,772 <ALLOWANCE-DOMESTIC> 1,772 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0