<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 14,523 <INT-BEARING-DEPOSITS> 898 <FED-FUNDS-SOLD> 12,550 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 78,908 <INVESTMENTS-CARRYING> 10,607 <INVESTMENTS-MARKET> 11,237 <LOANS> 230,590 <ALLOWANCE> 5,933 <TOTAL-ASSETS> 367,763 <DEPOSITS> 327,579 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,228 <LONG-TERM> 0 <COMMON> 18,250 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 18,706 <TOTAL-LIABILITIES-AND-EQUITY> 367,763 <INTEREST-LOAN> 21,210 <INTEREST-INVEST> 4,621 <INTEREST-OTHER> 1,467 <INTEREST-TOTAL> 27,298 <INTEREST-DEPOSIT> 12,633 <INTEREST-EXPENSE> 184 <INTEREST-INCOME-NET> 12,817 <LOAN-LOSSES> (19) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,078 <INCOME-PRETAX> 5,881 <INCOME-PRE-EXTRAORDINARY> 5,881 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,018 <EPS-PRIMARY> 2.20 <EPS-DILUTED> 2.20 <YIELD-ACTUAL> 4.35 <LOANS-NON> 803 <LOANS-PAST> 2,683 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,486 <ALLOWANCE-OPEN> 5,669 <CHARGE-OFFS> 339 <RECOVERIES> 622 <ALLOWANCE-CLOSE> 5,933 <ALLOWANCE-DOMESTIC> 5,933 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,677