<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-K filed as of December 31, 1994.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                          19,551
<INT-BEARING-DEPOSITS>                             650
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,172
<INVESTMENTS-CARRYING>                           9,247
<INVESTMENTS-MARKET>                             9,089
<LOANS>                                        361,353
<ALLOWANCE>                                      6,783
<TOTAL-ASSETS>                                 498,006
<DEPOSITS>                                     403,819
<SHORT-TERM>                                    19,767
<LIABILITIES-OTHER>                              4,998
<LONG-TERM>                                     23,787
<COMMON>                                        24,326
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      21,309
<TOTAL-LIABILITIES-AND-EQUITY>                 498,006
<INTEREST-LOAN>                                 28,848
<INTEREST-INVEST>                                5,879
<INTEREST-OTHER>                                 1,377
<INTEREST-TOTAL>                                36,104
<INTEREST-DEPOSIT>                              13,616
<INTEREST-EXPENSE>                              15,424
<INTEREST-INCOME-NET>                           20,680
<LOAN-LOSSES>                                      765
<SECURITIES-GAINS>                               (237)
<EXPENSE-OTHER>                                 15,672
<INCOME-PRETAX>                                  8,081
<INCOME-PRE-EXTRAORDINARY>                       5,748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,748
<EPS-PRIMARY>                                     1.98
<EPS-DILUTED>                                     1.97
<YIELD-ACTUAL>                                    4.82
<LOANS-NON>                                        902
<LOANS-PAST>                                     1,082
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,696
<ALLOWANCE-OPEN>                                 6,370
<CHARGE-OFFS>                                    1,124
<RECOVERIES>                                       772
<ALLOWANCE-CLOSE>                                6,783
<ALLOWANCE-DOMESTIC>                             6,783
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0