<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1994 ANNUAL REPORT AND THE DEFINITIVE PROXY STATEMENT DATED MARCH 16, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1994 <PERIOD-END> DEC-31-1994 <CASH> 21,306 <INT-BEARING-DEPOSITS> 40 <FED-FUNDS-SOLD> 2,801 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59,600 <INVESTMENTS-CARRYING> 110,152 <INVESTMENTS-MARKET> 103,723 <LOANS> 287,956 <ALLOWANCE> 4,866 <TOTAL-ASSETS> 496,963 <DEPOSITS> 396,740 <SHORT-TERM> 48,323 <LIABILITIES-OTHER> 4,579 <LONG-TERM> 17,432 <COMMON> 1,438 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 28,451 <TOTAL-LIABILITIES-AND-EQUITY> 496,963 <INTEREST-LOAN> 23,931 <INTEREST-INVEST> 9,569 <INTEREST-OTHER> 155 <INTEREST-TOTAL> 33,655 <INTEREST-DEPOSIT> 12,108 <INTEREST-EXPENSE> 14,887 <INTEREST-INCOME-NET> 18,768 <LOAN-LOSSES> 795 <SECURITIES-GAINS> (7) <EXPENSE-OTHER> 14,092 <INCOME-PRETAX> 8,150 <INCOME-PRE-EXTRAORDINARY> 5,126 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,126 <EPS-PRIMARY> 3.56 <EPS-DILUTED> 3.56 <YIELD-ACTUAL> 4.31 <LOANS-NON> 18 <LOANS-PAST> 35 <LOANS-TROUBLED> 1,406 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,010 <CHARGE-OFFS> 135 <RECOVERIES> 196 <ALLOWANCE-CLOSE> 4,866 <ALLOWANCE-DOMESTIC> 1,172 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,694