<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                    1,000
<CURRENCY>                U.S.DOLLARS
       
<S>                            <C>
<PERIOD-TYPE>                  12-MOS
<FISCAL-YEAR-END>                                     DEC-31-1995
<PERIOD-START>                                        JAN-01-1995
<PERIOD-END>                                          DEC-31-1995
<EXCHANGE-RATE>                                                 1
<CASH>                                                      6,337
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                36,808
<INVESTMENTS-CARRYING>                                     36,808
<INVESTMENTS-MARKET>                                       36,808
<LOANS>                                                    91,515
<ALLOWANCE>                                                 2,362
<TOTAL-ASSETS>                                            137,516
<DEPOSITS>                                                116,357
<SHORT-TERM>                                                6,540
<LIABILITIES-OTHER>                                           849
<LONG-TERM>                                                     0
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                    8,261
<OTHER-SE>                                                  5,510
<TOTAL-LIABILITIES-AND-EQUITY>                            137,516
<INTEREST-LOAN>                                              7,889
<INTEREST-INVEST>                                           2,281
<INTEREST-OTHER>                                                0
<INTEREST-TOTAL>                                           10,170
<INTEREST-DEPOSIT>                                          4,318
<INTEREST-EXPENSE>                                             81
<INTEREST-INCOME-NET>                                       5,771
<LOAN-LOSSES>                                                 (99)
<SECURITIES-GAINS>                                             28
<EXPENSE-OTHER>                                             5,738
<INCOME-PRETAX>                                               970
<INCOME-PRE-EXTRAORDINARY>                                    715
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                  715
<EPS-PRIMARY>                                                 .04
<EPS-DILUTED>                                                 .04
<YIELD-ACTUAL>                                               4.62
<LOANS-NON>                                                   110
<LOANS-PAST>                                                1,187
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                             2,918
<ALLOWANCE-OPEN>                                            2,423
<CHARGE-OFFS>                                                  67
<RECOVERIES>                                                  105
<ALLOWANCE-CLOSE>                                           2,362
<ALLOWANCE-DOMESTIC>                                            0
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       552
        

</TABLE>