<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                           8,941
<INT-BEARING-DEPOSITS>                               4
<FED-FUNDS-SOLD>                                   247
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,599
<INVESTMENTS-CARRYING>                          83,518
<INVESTMENTS-MARKET>                            83,517
<LOANS>                                        173,741
<ALLOWANCE>                                      2,647
<TOTAL-ASSETS>                                 277,680
<DEPOSITS>                                     235,599
<SHORT-TERM>                                    14,856
<LIABILITIES-OTHER>                              1,003
<LONG-TERM>                                          0
<COMMON>                                         6,320
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 277,680
<INTEREST-LOAN>                                 13,757
<INTEREST-INVEST>                                5,346
<INTEREST-OTHER>                                   131
<INTEREST-TOTAL>                                19,234
<INTEREST-DEPOSIT>                               7,094
<INTEREST-EXPENSE>                               7,625
<INTEREST-INCOME-NET>                           11,609
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                 407
<EXPENSE-OTHER>                                 11,837
<INCOME-PRETAX>                                  3,909
<INCOME-PRE-EXTRAORDINARY>                       2,773
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,773
<EPS-PRIMARY>                                     2.20
<EPS-DILUTED>                                     2.20
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                      2,955
<LOANS-PAST>                                       837
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,578
<ALLOWANCE-OPEN>                                 2,692
<CHARGE-OFFS>                                      611
<RECOVERIES>                                       541
<ALLOWANCE-CLOSE>                                2,647
<ALLOWANCE-DOMESTIC>                             2,647
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0