<ARTICLE> 9 <PERIOD-TYPE> 12-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1994 <PERIOD-END> DEC-31-1995 DEC-31-1994 <CASH> 5239 6514 <INT-BEARING-DEPOSITS> 200 250 <FED-FUNDS-SOLD> 17700 3500 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 15376 15129 <INVESTMENTS-CARRYING> 20348 23644 <INVESTMENTS-MARKET> 20463 22611 <LOANS> 36759 32803 <ALLOWANCE> 776 738 <TOTAL-ASSETS> 100497 87536 <DEPOSITS> 74949 73872 <SHORT-TERM> 3070 1500 <LIABILITIES-OTHER> 904 537 <LONG-TERM> 10517 2000 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 4427 4427 <OTHER-SE> 6630 5200 <TOTAL-LIABILITIES-AND-EQUITY> 100497 87536 <INTEREST-LOAN> 3788 3361 <INTEREST-INVEST> 2363 1824 <INTEREST-OTHER> 421 261 <INTEREST-TOTAL> 6572 5446 <INTEREST-DEPOSIT> 2470 1919 <INTEREST-EXPENSE> 2861 1929 <INTEREST-INCOME-NET> 3711 3517 <LOAN-LOSSES> 0 (396) <SECURITIES-GAINS> 72 (206) <EXPENSE-OTHER> 2868 3327 <INCOME-PRETAX> 1420 1035 <INCOME-PRE-EXTRAORDINARY> 1420 1035 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 881 658 <EPS-PRIMARY> .83 .59 <EPS-DILUTED> .82 .59 <YIELD-ACTUAL> 8.3 7.7 <LOANS-NON> 0 707 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 196 209 <LOANS-PROBLEM> 1161 1030 <ALLOWANCE-OPEN> 738 1339 <CHARGE-OFFS> 45 73 <RECOVERIES> 83 108 <ALLOWANCE-CLOSE> 776 738 <ALLOWANCE-DOMESTIC> 776 738 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 344 143