<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 6-MOS 9-MOS YEAR <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 DEC-31-1995 DEC-31-1995 <PERIOD-START> JAN-01-1995 APR-01-1995 JUL-01-1995 JAN-01-1995 <PERIOD-END> MAR-31-1995 JUN-30-1995 SEP-30-1995 SEP-30-1995 <CASH> 9236 7554 11436 11436 <INT-BEARING-DEPOSITS> 83 97 112 112 <FED-FUNDS-SOLD> 0 900 0 0 <TRADING-ASSETS> 0 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 2807 2821 36026 36026 <INVESTMENTS-CARRYING> 74276 68883 71731 71731 <INVESTMENTS-MARKET> 73579 69030 71919 71919 <LOANS> 163036 169734 174920 174920 <ALLOWANCE> 2415 2527 2600 2600 <TOTAL-ASSETS> 250552 251543 302500 302500 <DEPOSITS> 209776 211301 259936 259936 <SHORT-TERM> 0 0 0 0 <LIABILITIES-OTHER> 8917 7939 9046 9046 <LONG-TERM> 0 0 0 0 <COMMON> 2400 2400 0 0 <PREFERRED-MANDATORY> 0 0 0 0 <PREFERRED> 0 0 2400 2400 <OTHER-SE> 29459 29630 31118 31118 <TOTAL-LIABILITIES-AND-EQUITY> 250552 251543 302500 302500 <INTEREST-LOAN> 3432 3699 3884 11015 <INTEREST-INVEST> 997 932 1141 3070 <INTEREST-OTHER> 15 14 44 73 <INTEREST-TOTAL> 4444 4645 5069 14158 <INTEREST-DEPOSIT> 1723 1861 2173 5757 <INTEREST-EXPENSE> 1786 1941 2251 5978 <INTEREST-INCOME-NET> 2658 2704 2818 8180 <LOAN-LOSSES> 93 121 160 374 <SECURITIES-GAINS> 0 0 0 0 <EXPENSE-OTHER> 1566 1583 1547 4696 <INCOME-PRETAX> 1478 1488 1636 4602 <INCOME-PRE-EXTRAORDINARY> 1478 1488 1636 4602 <EXTRAORDINARY> 0 0 0 0 <CHANGES> 0 0 0 0 <NET-INCOME> 1009 1039 1123 3171 <EPS-PRIMARY> .42 .43 .47 1.32 <EPS-DILUTED> .42 .43 .47 1.32 <YIELD-ACTUAL> 4.52 4.60 4.39 4.49 <LOANS-NON> 141 244 83 83 <LOANS-PAST> 51 132 159 159 <LOANS-TROUBLED> 105 101 0 0 <LOANS-PROBLEM> 0 0 0 0 <ALLOWANCE-OPEN> 2353 2415 2527 2353 <CHARGE-OFFS> 45 22 108 175 <RECOVERIES> 14 13 21 48 <ALLOWANCE-CLOSE> 2415 2527 2600 2600 <ALLOWANCE-DOMESTIC> 2415 2527 2513 2513 <ALLOWANCE-FOREIGN> 0 0 0 0 <ALLOWANCE-UNALLOCATED> 0 0 87 87