<ARTICLE>                     9

<MULTIPLIER>                  1

       
                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>               Dec-31-1995
<PERIOD-START>                  Jan-01-1995
<PERIOD-END>                    Dec-31-1995
<CASH>                          5,263,475
<INT-BEARING-DEPOSITS>                  0
<FED-FUNDS-SOLD>                8,300,000
<TRADING-ASSETS>                        0
<INVESTMENTS-HELD-FOR-SALE>     6,316,500
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<INVESTMENTS-MARKET>                    0
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<ALLOWANCE>                       732,483
<TOTAL-ASSETS>                 76,128,209
<DEPOSITS>                     67,246,492
<SHORT-TERM>                            0
<LIABILITIES-OTHER>               525,512
<LONG-TERM>                       556,529
<PREFERRED-MANDATORY>                   0
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<COMMON>                        5,107,501
<OTHER-SE>                      2,692,175
<TOTAL-LIABILITIES-AND-EQUITY> 76,128,209
<INTEREST-LOAN>                 5,339,328
<INTEREST-INVEST>                 786,275
<INTEREST-OTHER>                        0
<INTEREST-TOTAL>                6,125,585
<INTEREST-DEPOSIT>              1,629,994
<INTEREST-EXPENSE>              1,678,715
<INTEREST-INCOME-NET>           4,446,870
<LOAN-LOSSES>                      70,000
<SECURITIES-GAINS>                      0
<EXPENSE-OTHER>                 4,250,273
<INCOME-PRETAX>                 1,556,685
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<EXTRAORDINARY>                         0
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<EPS-PRIMARY>                         .85
<EPS-DILUTED>                         .85
<YIELD-ACTUAL>                       6.84
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<LOANS-PAST>                       62,801
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<ALLOWANCE-OPEN>                  741,323
<CHARGE-OFFS>                     130,465
<RECOVERIES>                       51,625
<ALLOWANCE-CLOSE>                 732,483
<ALLOWANCE-DOMESTIC>              732,483
<ALLOWANCE-FOREIGN>                     0
<ALLOWANCE-UNALLOCATED>                 0