<ARTICLE> 9
<LEGEND>   This schedule contains summary financial information extracted from
           the Consolidated Statement of Condition and Consolidated Statement
           of Earnings and is qualified in its entirety by reference to such
           financial statements.
<MULTIPLIER>    1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           5,138
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,132
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,968
<INVESTMENTS-CARRYING>                          17,190
<INVESTMENTS-MARKET>                            16,949
<LOANS>                                         61,373
<ALLOWANCE>                                      1,256
<TOTAL-ASSETS>                                  95,037
<DEPOSITS>                                      82,256
<SHORT-TERM>                                     2,290
<LIABILITIES-OTHER>                              1,036
<LONG-TERM>                                        684
<PREFERRED-MANDATORY>                            2,235
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       6,535
<TOTAL-LIABILITIES-AND-EQUITY>                  95,037
<INTEREST-LOAN>                                  5,709
<INTEREST-INVEST>                                1,150
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,859
<INTEREST-DEPOSIT>                               3,476
<INTEREST-EXPENSE>                                 157
<INTEREST-INCOME-NET>                            3,226
<LOAN-LOSSES>                                       13
<SECURITIES-GAINS>                                  28
<EXPENSE-OTHER>                                  2,866
<INCOME-PRETAX>                                  1,118
<INCOME-PRE-EXTRAORDINARY>                       1,118
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       836
<EPS-PRIMARY>                                      .93
<EPS-DILUTED>                                      .93
<YIELD-ACTUAL>                                    3.52
<LOANS-NON>                                      1,655
<LOANS-PAST>                                       198
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,208
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                1,256
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            847