<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               SEP-30-1995             SEP-30-1995
<CASH>                                            3703                    3703
<INT-BEARING-DEPOSITS>                           23520                   23520
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                           11437                   11437
<INVESTMENTS-MARKET>                             11643                   11643
<LOANS>                                         218026                  218026
<ALLOWANCE>                                       2620                    2620
<TOTAL-ASSETS>                                  273901                  273901
<DEPOSITS>                                      210803                  210803
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              39488                   39488
<LONG-TERM>                                          0                       0
<COMMON>                                            44                      44
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       4015                    4015
<OTHER-SE>                                       19551                   19551
<TOTAL-LIABILITIES-AND-EQUITY>                  273901                  273901
<INTEREST-LOAN>                                   5152                   10131
<INTEREST-INVEST>                                  302                     643
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  5454                   10774
<INTEREST-DEPOSIT>                                2334                    4766
<INTEREST-EXPENSE>                                2704                    5416
<INTEREST-INCOME-NET>                             2750                    5358
<LOAN-LOSSES>                                       50                      75
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                   2896                    5575
<INCOME-PRETAX>                                   1171                    1989
<INCOME-PRE-EXTRAORDINARY>                         750                    1277
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       750                    1277
<EPS-PRIMARY>                                      .15                     .25
<EPS-DILUTED>                                      .13                     .23
<YIELD-ACTUAL>                                     4.3                     4.2
<LOANS-NON>                                       3686                    3686
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  2576                    2507
<CHARGE-OFFS>                                      173                     382
<RECOVERIES>                                       167                     420
<ALLOWANCE-CLOSE>                                 2620                    2620
<ALLOWANCE-DOMESTIC>                              2620                    2620
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            382                     382
        

</TABLE>