<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>

This schedule contains Summary Financial Information extracted from Form 10-K
for the year ended 12/31/95 and is qualified in its entirety by reference to
such Form 10-K.

</LEGEND>
<MULTIPLIER>                  1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                         DEC-31-1995
<PERIOD-END>                              DEC-31-1995
<CASH>                                         19,818
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                5,800
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    42,767
<INVESTMENTS-CARRYING>                         23,831
<INVESTMENTS-MARKET>                           23,825
<LOANS>                                       204,495
<ALLOWANCE>                                     5,893
<TOTAL-ASSETS>                                298,911
<DEPOSITS>                                    276,764
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,007
<LONG-TERM>                                     5,547<F1>
<COMMON>                                          147
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<OTHER-SE>                                     15,445
<TOTAL-LIABILITIES-AND-EQUITY>                298,911
<INTEREST-LOAN>                                18,432
<INTEREST-INVEST>                               3,888
<INTEREST-OTHER>                                  330
<INTEREST-TOTAL>                               22,649
<INTEREST-DEPOSIT>                              9,212
<INTEREST-EXPENSE>                              9,785
<INTEREST-INCOME-NET>                          12,864
<LOAN-LOSSES>                                   3,663
<SECURITIES-GAINS>                                  5
<EXPENSE-OTHER>                                11,487
<INCOME-PRETAX>                                   777
<INCOME-PRE-EXTRAORDINARY>                        777
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,811
<EPS-PRIMARY>                                     .12
<EPS-DILUTED>                                     .12
<YIELD-ACTUAL>                                   4.62
<LOANS-NON>                                     5,964
<LOANS-PAST>                                      139
<LOANS-TROUBLED>                                1,570
<LOANS-PROBLEM>                                 2,393
<ALLOWANCE-OPEN>                                6,827
<CHARGE-OFFS>                                   4,886
<RECOVERIES>                                      289
<ALLOWANCE-CLOSE>                               5,893
<ALLOWANCE-DOMESTIC>                            5,283
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           608

<FN>
<F1> Includes $3,500 (in thousands) of Federal Home Loan Bank advances which
     come due within one year.
</FN>
        


</TABLE>