<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