<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> DEC-31-1994 <CASH> 8,552,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,300,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,419,000 <INVESTMENTS-CARRYING> 11,335,000 <INVESTMENTS-MARKET> 10,982,000 <LOANS> 87,909,000 <ALLOWANCE> 1,498,000 <TOTAL-ASSETS> 133,144,000 <DEPOSITS> 119,972,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 529,000 <LONG-TERM> 0 <COMMON> 9,026,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 3,617,000 <TOTAL-LIABILITIES-AND-EQUITY> 133,144,000 <INTEREST-LOAN> 8,293,000 <INTEREST-INVEST> 1,195,000 <INTEREST-OTHER> 185,000 <INTEREST-TOTAL> 9,673,000 <INTEREST-DEPOSIT> 2,545,000 <INTEREST-EXPENSE> 2,000 <INTEREST-INCOME-NET> 7,126,000 <LOAN-LOSSES> 255,000 <SECURITIES-GAINS> 5,000 <EXPENSE-OTHER> 5,867,000 <INCOME-PRETAX> 1,655,000 <INCOME-PRE-EXTRAORDINARY> 1,655,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,174,000 <EPS-PRIMARY> 1.41 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 6.34 <LOANS-NON> 533,000 <LOANS-PAST> 14,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 425,082 <ALLOWANCE-OPEN> 1,418,000 <CHARGE-OFFS> 230,000 <RECOVERIES> 55,000 <ALLOWANCE-CLOSE> 1,498,000 <ALLOWANCE-DOMESTIC> 836,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 662,000