<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                          14,552
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,125
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,518
<INVESTMENTS-CARRYING>                          83,095
<INVESTMENTS-MARKET>                            79,429
<LOANS>                                        144,363
<ALLOWANCE>                                      2,220
<TOTAL-ASSETS>                                 297,120
<DEPOSITS>                                     234,193
<SHORT-TERM>                                    31,730
<LIABILITIES-OTHER>                              2,340
<LONG-TERM>                                          0
<COMMON>                                         4,791
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      24,066
<TOTAL-LIABILITIES-AND-EQUITY>                 297,120
<INTEREST-LOAN>                                 12,034
<INTEREST-INVEST>                                7,242
<INTEREST-OTHER>                                   571
<INTEREST-TOTAL>                                19,847
<INTEREST-DEPOSIT>                               6,460
<INTEREST-EXPENSE>                               7,613
<INTEREST-INCOME-NET>                           12,234
<LOAN-LOSSES>                                      295
<SECURITIES-GAINS>                               (167)
<EXPENSE-OTHER>                                  9,599
<INCOME-PRETAX>                                  5,154
<INCOME-PRE-EXTRAORDINARY>                       3,497
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,497
<EPS-PRIMARY>                                     7.34
<EPS-DILUTED>                                     7.34
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                      1,062
<LOANS-PAST>                                        55
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,624
<ALLOWANCE-OPEN>                                 2,170
<CHARGE-OFFS>                                      456
<RECOVERIES>                                       211
<ALLOWANCE-CLOSE>                                2,220
<ALLOWANCE-DOMESTIC>                             2,220
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0