<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1995 REPORT TO SHAREHOLDERS AND THE 1995 FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 26,185 <INT-BEARING-DEPOSITS> 240 <FED-FUNDS-SOLD> 470 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,120 <INVESTMENTS-CARRYING> 113,888 <INVESTMENTS-MARKET> 115,328 <LOANS> 327,762 <ALLOWANCE> 5,472 <TOTAL-ASSETS> 568,579 <DEPOSITS> 431,934 <SHORT-TERM> 77,131 <LIABILITIES-OTHER> 5,328 <LONG-TERM> 17,432 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,438 <OTHER-SE> 35,316 <TOTAL-LIABILITIES-AND-EQUITY> 568,579 <INTEREST-LOAN> 30,116 <INTEREST-INVEST> 11,761 <INTEREST-OTHER> 202 <INTEREST-TOTAL> 42,079 <INTEREST-DEPOSIT> 16,847 <INTEREST-EXPENSE> 21,642 <INTEREST-INCOME-NET> 20,437 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 315 <EXPENSE-OTHER> 16,244 <INCOME-PRETAX> 8,709 <INCOME-PRE-EXTRAORDINARY> 5,645 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,645 <EPS-PRIMARY> 3.92 <EPS-DILUTED> 3.92 <YIELD-ACTUAL> 4.09 <LOANS-NON> 532 <LOANS-PAST> 192 <LOANS-TROUBLED> 1,432 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,866 <CHARGE-OFFS> 355 <RECOVERIES> 95 <ALLOWANCE-CLOSE> 5,472 <ALLOWANCE-DOMESTIC> 1,411 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,061