<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          32,233
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                             7,212
<LOANS>                                        229,957
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<DEPOSITS>                                     333,278
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<OTHER-SE>                                      10,575
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<LOAN-LOSSES>                                      756
<SECURITIES-GAINS>                                  48
<EXPENSE-OTHER>                                 14,752
<INCOME-PRETAX>                                  7,665
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<RECOVERIES>                                       439
<ALLOWANCE-CLOSE>                                6,265
<ALLOWANCE-DOMESTIC>                             6,265
<ALLOWANCE-FOREIGN>                                  0
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