<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S 1995 ANNUAL REPORT TO SHAREHOLDERS AND STATISTICAL DISCLOSURES BY
BANK HOLDING COMPANIES AS PRESENTED IN THE FORM 10-K, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          27,294
<INT-BEARING-DEPOSITS>                              90
<FED-FUNDS-SOLD>                                10,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    171,882
<INVESTMENTS-CARRYING>                           7,582
<INVESTMENTS-MARKET>                             7,582
<LOANS>                                        263,001
<ALLOWANCE>                                      3,900
<TOTAL-ASSETS>                                 501,893
<DEPOSITS>                                     426,879
<SHORT-TERM>                                    13,382
<LIABILITIES-OTHER>                              8,733
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      42,149
<TOTAL-LIABILITIES-AND-EQUITY>                 501,893
<INTEREST-LOAN>                                 23,868
<INTEREST-INVEST>                               11,366
<INTEREST-OTHER>                                   843
<INTEREST-TOTAL>                                36,077
<INTEREST-DEPOSIT>                              13,446
<INTEREST-EXPENSE>                              14,227
<INTEREST-INCOME-NET>                           21,850
<LOAN-LOSSES>                                      564
<SECURITIES-GAINS>                                 531
<EXPENSE-OTHER>                                 19,560
<INCOME-PRETAX>                                  8,461
<INCOME-PRE-EXTRAORDINARY>                       5,602
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,602
<EPS-PRIMARY>                                     2.68
<EPS-DILUTED>                                     2.68
<YIELD-ACTUAL>                                    8.07
<LOANS-NON>                                      1,120
<LOANS-PAST>                                       681
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,600
<CHARGE-OFFS>                                      373
<RECOVERIES>                                       109
<ALLOWANCE-CLOSE>                                3,900
<ALLOWANCE-DOMESTIC>                             3,900
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,384