<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