<ARTICLE> 9
<MULTIPLIER> 1000
       
                                                                                            

<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   12-MOS
YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995             DEC-31-1995             DEC-31-1995
             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             APR-01-1995             JUL-01-1995             OCT-01-1995
             JAN-01-1995
<PERIOD-END>                               MAR-31-1995             JUN-30-1995             SEP-30-1995             DEC-31-1995
             DEC-31-1995
<CASH>                                            9236                    7554                   11436                    9534
                    9534
<INT-BEARING-DEPOSITS>                              83                      97                     112                     128
                     128
<FED-FUNDS-SOLD>                                     0                     900                       0                    1100
                    1100
<TRADING-ASSETS>                                     0                       0                       0                       0
                       0
<INVESTMENTS-HELD-FOR-SALE>                       2807                    2821                   36026                   44080
                   44080
<INVESTMENTS-CARRYING>                           74276                   68883                   71731                   65223
                   65223
<INVESTMENTS-MARKET>                             73579                   69030                   71919                   65763
                   65763
<LOANS>                                         163036                  169734                  174920                  176215
                  176215
<ALLOWANCE>                                       2415                    2527                    2600                    2649
                    2649
<TOTAL-ASSETS>                                  250552                  251543                  302500                  305083
                  305083
<DEPOSITS>                                      209776                  211301                  259936                  259830
                  259830
<SHORT-TERM>                                         0                       0                       0                       0
                       0
<LIABILITIES-OTHER>                               8917                    7939                    9046                   11128
                   11128
<LONG-TERM>                                          0                       0                       0                       0
                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                          0                       0                       0                       0
                       0
<COMMON>                                          2400                    2400                    2400                    2400
                    2400
<OTHER-SE>                                       29459                   29630                   31118                   31725
                   31725
<TOTAL-LIABILITIES-AND-EQUITY>                  250552                  251543                  302500                  305083
                  305083
<INTEREST-LOAN>                                   3432                    3699                    3884                    3993
                   15008
<INTEREST-INVEST>                                  997                     932                    1141                    1510
                    4580
<INTEREST-OTHER>                                    15                      14                      44                      86
                     159
<INTEREST-TOTAL>                                  4444                    4645                    5069                    5589
                   19747
<INTEREST-DEPOSIT>                                1723                    1861                    2173                    2499
                    8256
<INTEREST-EXPENSE>                                1786                    1941                    2251                    2585
                    8563
<INTEREST-INCOME-NET>                             2658                    2704                    2818                    3004
                   11184
<LOAN-LOSSES>                                       93                     121                     160                     102
                     476
<SECURITIES-GAINS>                                   0                       0                       0                       0
                       0
<EXPENSE-OTHER>                                   1566                    1583                    1547                    2072
                    6768
<INCOME-PRETAX>                                   1478                    1488                    1636                    1265
                    5867
<INCOME-PRE-EXTRAORDINARY>                        1478                    1488                    1636                    1265
                    5867
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                       0                       0                       0
                       0
<NET-INCOME>                                      1009                    1039                    1123                     852
                    4023
<EPS-PRIMARY>                                      .42                     .43                     .47                     .36
                    1.68
<EPS-DILUTED>                                      .42                     .43                     .47                     .36
                    1.68
<YIELD-ACTUAL>                                    4.52                    4.60                    4.39                    4.27
                    4.40
<LOANS-NON>                                        141                     244                      83                      28
                      28
<LOANS-PAST>                                        51                     132                     159                     161
                     161
<LOANS-TROUBLED>                                   105                     101                       0                       0
                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
                       0
<ALLOWANCE-OPEN>                                  2353                    2415                    2527                    2600
                    2353
<CHARGE-OFFS>                                       45                      22                     108                      66
                     241
<RECOVERIES>                                        14                      13                      21                      13
                      61
<ALLOWANCE-CLOSE>                                 2415                    2527                    2600                    2649
                    2649
<ALLOWANCE-DOMESTIC>                              2415                    2527                    2513                    2560
                    2560
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                      87                      89
                      89