<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               MAR-31-1995             MAR-31-1994
<CASH>                                       8,752,000              10,841,000
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             2,500,000               4,575,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 19,333,000              16,289,000
<INVESTMENTS-CARRYING>                      56,221,000              45,248,000
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    174,450,000             152,842,000
<ALLOWANCE>                                  2,115,000               1,795,000
<TOTAL-ASSETS>                             272,891,000             239,918,000
<DEPOSITS>                                 221,836,000             195,214,000
<SHORT-TERM>                                17,220,000              17,860,000
<LIABILITIES-OTHER>                          2,313,000               2,050,000
<LONG-TERM>                                  6,783,000               2,325,000
<COMMON>                                       721,000               7,073,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                  24,018,000              15,396,000
<TOTAL-LIABILITIES-AND-EQUITY>             272,891,000             239,918,000
<INTEREST-LOAN>                              4,021,000               3,276,000
<INTEREST-INVEST>                            1,145,000                 853,000
<INTEREST-OTHER>                                45,000                  55,000
<INTEREST-TOTAL>                             5,211,000               4,184,000
<INTEREST-DEPOSIT>                           2,258,000               1,600,000
<INTEREST-EXPENSE>                           2,527,000               1,747,000
<INTEREST-INCOME-NET>                        2,684,000               2,437,000
<LOAN-LOSSES>                                   65,000                  99,000
<SECURITIES-GAINS>                               7,000                       0
<EXPENSE-OTHER>                              2,308,000               2,116,000
<INCOME-PRETAX>                                965,000               1,170,000
<INCOME-PRE-EXTRAORDINARY>                     965,000               1,170,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   643,000                 827,000
<EPS-PRIMARY>                                     0.90                    1.17
<EPS-DILUTED>                                     0.90                    1.17
<YIELD-ACTUAL>                                    4.25                    4.45
<LOANS-NON>                                    721,000               1,051,000
<LOANS-PAST>                                 1,404,000                 439,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                              3,752,000               5,225,000
<ALLOWANCE-OPEN>                             2,054,000               1,676,000
<CHARGE-OFFS>                                   60,000                  24,000
<RECOVERIES>                                    56,000                  44,000
<ALLOWANCE-CLOSE>                            2,115,000               1,795,000
<ALLOWANCE-DOMESTIC>                         2,115,000               1,795,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0