<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FIRST
QUARTER FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          21,826
<INT-BEARING-DEPOSITS>                              47
<FED-FUNDS-SOLD>                                 4,157
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,433
<INVESTMENTS-CARRYING>                         118,598
<INVESTMENTS-MARKET>                           116,966
<LOANS>                                        292,124
<ALLOWANCE>                                      4,894
<TOTAL-ASSETS>                                 513,287
<DEPOSITS>                                     395,915
<SHORT-TERM>                                    63,390
<LIABILITIES-OTHER>                              4,691
<LONG-TERM>                                     17,432
<COMMON>                                         1,438
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      30,421
<TOTAL-LIABILITIES-AND-EQUITY>                 513,287
<INTEREST-LOAN>                                  6,882
<INTEREST-INVEST>                                2,744
<INTEREST-OTHER>                                    65
<INTEREST-TOTAL>                                 9,691
<INTEREST-DEPOSIT>                               3,732
<INTEREST-EXPENSE>                               4,809
<INTEREST-INCOME-NET>                            4,882
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                (16)
<EXPENSE-OTHER>                                  3,826
<INCOME-PRETAX>                                  2,043
<INCOME-PRE-EXTRAORDINARY>                       1,306
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,306
<EPS-PRIMARY>                                      .91
<EPS-DILUTED>                                      .91
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                          0
<LOANS-PAST>                                       177
<LOANS-TROUBLED>                                 1,470
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,866
<CHARGE-OFFS>                                       33
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                4,894
<ALLOWANCE-DOMESTIC>                             1,200
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,694