<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
Consolidated Statement of Income and Balance Sheet and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               DEC-31-1995             DEC-31-1995
<CASH>                                          11,707                       0
<INT-BEARING-DEPOSITS>                           5,172                       0
<FED-FUNDS-SOLD>                                 7,150                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     80,651                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        201,355                       0
<ALLOWANCE>                                      2,754                       0
<TOTAL-ASSETS>                                 313,067                       0
<DEPOSITS>                                     262,346                       0
<SHORT-TERM>                                    13,240                       0
<LIABILITIES-OTHER>                              3,235                       0
<LONG-TERM>                                      6,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                      2,000                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      24,994                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 313,067                       0
<INTEREST-LOAN>                                 16,983                   4,428
<INTEREST-INVEST>                                5,543                   1,283
<INTEREST-OTHER>                                   354                     197
<INTEREST-TOTAL>                                22,835                   5,908
<INTEREST-DEPOSIT>                              10,308                   2,712
<INTEREST-EXPENSE>                              11,852                   3,047
<INTEREST-INCOME-NET>                           10,983                   2,861
<LOAN-LOSSES>                                       30                      12
<SECURITIES-GAINS>                                  16                       0
<EXPENSE-OTHER>                                  8,229                   1,961
<INCOME-PRETAX>                                  4,181                   1,231
<INCOME-PRE-EXTRAORDINARY>                       4,181                   1,231
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,529                     746
<EPS-PRIMARY>                                     1.91                    0.57
<EPS-DILUTED>                                     1.91                    0.57
<YIELD-ACTUAL>                                    7.79                       0
<LOANS-NON>                                      1,569                       0
<LOANS-PAST>                                        34                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,784                       0
<CHARGE-OFFS>                                      160                       0
<RECOVERIES>                                       100                       0
<ALLOWANCE-CLOSE>                                2,754                       0
<ALLOWANCE-DOMESTIC>                             1,491                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,263                       0