<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