<ARTICLE> 9
<CIK> 0000353650
<NAME> BWC FINANCIAL CORP.
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                        11377000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               1230000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   23500000
<INVESTMENTS-CARRYING>                        10971000
<INVESTMENTS-MARKET>                          11061000
<LOANS>                                      101304000
<ALLOWANCE>                                    1528000
<TOTAL-ASSETS>                               150597000
<DEPOSITS>                                   134601000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            1103000
<LONG-TERM>                                          0
<COMMON>                                      10508000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     4385000
<TOTAL-LIABILITIES-AND-EQUITY>               150597000
<INTEREST-LOAN>                                9480000
<INTEREST-INVEST>                              1754000
<INTEREST-OTHER>                                257000
<INTEREST-TOTAL>                              11491000
<INTEREST-DEPOSIT>                             3405000
<INTEREST-EXPENSE>                             3410000
<INTEREST-INCOME-NET>                          8081000
<LOAN-LOSSES>                                   330000
<SECURITIES-GAINS>                               19000
<EXPENSE-OTHER>                                6444000
<INCOME-PRETAX>                                2443000
<INCOME-PRE-EXTRAORDINARY>                     2443000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   1620000
<EPS-PRIMARY>                                     1.73
<EPS-DILUTED>                                     1.64
<YIELD-ACTUAL>                                    6.63
<LOANS-NON>                                     181000
<LOANS-PAST>                                      9000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                1602000
<ALLOWANCE-OPEN>                               1498000
<CHARGE-OFFS>                                   319000
<RECOVERIES>                                     19000
<ALLOWANCE-CLOSE>                              1528000
<ALLOWANCE-DOMESTIC>                           1074000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         454000