<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                            5536
<INT-BEARING-DEPOSITS>                              37
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      21444
<INVESTMENTS-CARRYING>                           52271
<INVESTMENTS-MARKET>                             53589
<LOANS>                                         159794
<ALLOWANCE>                                       1833
<TOTAL-ASSETS>                                  247094
<DEPOSITS>                                      213316
<SHORT-TERM>                                      6981
<LIABILITIES-OTHER>                               3626
<LONG-TERM>                                       1874
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1347
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                  247094
<INTEREST-LOAN>                                  14799
<INTEREST-INVEST>                                 4488
<INTEREST-OTHER>                                   135
<INTEREST-TOTAL>                                 19422
<INTEREST-DEPOSIT>                                9340
<INTEREST-EXPENSE>                                9851
<INTEREST-INCOME-NET>                             9571
<LOAN-LOSSES>                                      163
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                   6665
<INCOME-PRETAX>                                   3995
<INCOME-PRE-EXTRAORDINARY>                        2834
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2834
<EPS-PRIMARY>                                     2.10
<EPS-DILUTED>                                     2.10
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                       1459
<LOANS-PAST>                                       689
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1721
<CHARGE-OFFS>                                       69
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                 1833
<ALLOWANCE-DOMESTIC>                              1833
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            394