<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-K FOR PERIOD ENDING DECEMBER 31, 1995 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       8,767,525
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                            10,231,642
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 41,533,475
<INVESTMENTS-CARRYING>                      17,389,119
<INVESTMENTS-MARKET>                        17,492,384
<LOANS>                                    152,992,583
<ALLOWANCE>                                  2,058,456
<TOTAL-ASSETS>                             241,551,726
<DEPOSITS>                                 207,409,539
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,497,604
<LONG-TERM>                                  1,312,788
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       308,261
<OTHER-SE>                                  30,023,534
<TOTAL-LIABILITIES-AND-EQUITY>             241,551,726
<INTEREST-LOAN>                             15,652,718
<INTEREST-INVEST>                            3,306,106
<INTEREST-OTHER>                               817,417
<INTEREST-TOTAL>                            19,776,241
<INTEREST-DEPOSIT>                           8,365,833
<INTEREST-EXPENSE>                           8,434,589
<INTEREST-INCOME-NET>                       11,341,652
<LOAN-LOSSES>                                  258,649
<SECURITIES-GAINS>                            (56,198)
<EXPENSE-OTHER>                              7,537,990
<INCOME-PRETAX>                              5,625,756
<INCOME-PRE-EXTRAORDINARY>                   3,705,394
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,705,394
<EPS-PRIMARY>                                    12.09
<EPS-DILUTED>                                    12.09
<YIELD-ACTUAL>                                    5.10
<LOANS-NON>                                    208,063
<LOANS-PAST>                                   210,137
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,023,681
<CHARGE-OFFS>                                  432,681
<RECOVERIES>                                   208,807
<ALLOWANCE-CLOSE>                            2,058,456
<ALLOWANCE-DOMESTIC>                         2,058,456
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0