<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 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 86,580 <INVESTMENTS-CARRYING> 7,087 <INVESTMENTS-MARKET> 7,212 <LOANS> 229,957 <ALLOWANCE> 6,265 <TOTAL-ASSETS> 383,186 <DEPOSITS> 333,278 <SHORT-TERM> 3,772 <LIABILITIES-OTHER> 3,763 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,798 <OTHER-SE> 10,575 <TOTAL-LIABILITIES-AND-EQUITY> 383,186 <INTEREST-LOAN> 18,592 <INTEREST-INVEST> 5,415 <INTEREST-OTHER> 968 <INTEREST-TOTAL> 24,975 <INTEREST-DEPOSIT> 5,543 <INTEREST-EXPENSE> 5,823 <INTEREST-INCOME-NET> 19,152 <LOAN-LOSSES> 756 <SECURITIES-GAINS> 48 <EXPENSE-OTHER> 14,752 <INCOME-PRETAX> 7,665 <INCOME-PRE-EXTRAORDINARY> 7,665 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,504 <EPS-PRIMARY> 1.36 <EPS-DILUTED> 1.36 <YIELD-ACTUAL> 6.75 <LOANS-NON> 5,818 <LOANS-PAST> 380 <LOANS-TROUBLED> 1,531 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,564 <CHARGE-OFFS> 1,311 <RECOVERIES> 439 <ALLOWANCE-CLOSE> 6,265 <ALLOWANCE-DOMESTIC> 6,265 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0