<ARTICLE> 9
 <PERIOD-TYPE>  12-MOS
       

                                                        
 <FISCAL-YEAR-END>                                                                                    DEC-31-1995
 <PERIOD-END>                                                                                         DEC-31-1995
 <CASH>                                                                                                17,536,000
 <INT-BEARING-DEPOSITS>                                                                                   784,000
 <FED-FUNDS-SOLD>                                                                                       4,975,000
 <TRADING-ASSETS>                                                                                               0
 <INVESTMENTS-HELD-FOR-SALE>                                                                          119,388,000
 <INVESTMENTS-CARRYING>                                                                                 3,381,000
 <INVESTMENTS-MARKET>                                                                                   3,409,000
 <LOANS>                                                                                              307,004,000
 <ALLOWANCE>                                                                                            2,814,000
 <TOTAL-ASSETS>                                                                                       472,494,000
 <DEPOSITS>                                                                                           396,879,000
 <SHORT-TERM>                                                                                          28,515,000
 <LIABILITIES-OTHER>                                                                                    3,011,000
 <LONG-TERM>                                                                                            7,200,000
 <COMMON>                                                                                               3,580,000
 <PREFERRED-MANDATORY>                                                                                          0
 <PREFERRED>                                                                                            3,100,000
 <OTHER-SE>                                                                                            28,653,000
 <TOTAL-LIABILITIES-AND-EQUITY>                                                                       472,494,000
 <INTEREST-LOAN>                                                                                       25,214,000
 <INTEREST-INVEST>                                                                                      7,801,000
 <INTEREST-OTHER>                                                                                         450,000
 <INTEREST-TOTAL>                                                                                      33,465,000
 <INTEREST-DEPOSIT>                                                                                    14,888,000
 <INTEREST-EXPENSE>                                                                                    16,725,000
 <INTEREST-INCOME-NET>                                                                                 16,740,000
 <LOAN-LOSSES>                                                                                            280,000
 <SECURITIES-GAINS>                                                                                             0
 <EXPENSE-OTHER>                                                                                       14,715,000
 <INCOME-PRETAX>                                                                                        5,754,000
 <INCOME-PRE-EXTRAORDINARY>                                                                             5,754,000
 <EXTRAORDINARY>                                                                                                0
 <CHANGES>                                                                                                      0
 <NET-INCOME>                                                                                           3,924,000
 <EPS-PRIMARY>                                                                              4.10
 <EPS-DILUTED>                                                                              3.88
 <YIELD-ACTUAL>                                                                             3.98
 <LOANS-NON>                                                                                              636,000
 <LOANS-PAST>                                                                                             554,000
 <LOANS-TROUBLED>                                                                                         604,000
 <LOANS-PROBLEM>                                                                                                0
 <ALLOWANCE-OPEN>                                                                                       2,608,000
 <CHARGE-OFFS>                                                                                            186,000
 <RECOVERIES>                                                                                             112,000
 <ALLOWANCE-CLOSE>                                                                                      2,814,000
 <ALLOWANCE-DOMESTIC>                                                                                   2,814,000
 <ALLOWANCE-FOREIGN>                                                                                            0
 <ALLOWANCE-UNALLOCATED>                                                                                  815,000