<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