<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