<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ANNUAL REPORT AND 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1994 <PERIOD-END> DEC-31-1994 <CASH> 9,326 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 60,506 <INVESTMENTS-MARKET> 58,190 <LOANS> 133,157 <ALLOWANCE> 2,918 <TOTAL-ASSETS> 223,144 <DEPOSITS> 186,722 <SHORT-TERM> 17,256 <LIABILITIES-OTHER> 1,129 <LONG-TERM> 0 <COMMON> 14,901 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 3,136 <TOTAL-LIABILITIES-AND-EQUITY> 223,144 <INTEREST-LOAN> 12,608 <INTEREST-INVEST> 2,545 <INTEREST-OTHER> 208 <INTEREST-TOTAL> 15,361 <INTEREST-DEPOSIT> 3,897 <INTEREST-EXPENSE> 4,279 <INTEREST-INCOME-NET> 11,082 <LOAN-LOSSES> 1,620 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,444 <INCOME-PRETAX> 2,097 <INCOME-PRE-EXTRAORDINARY> 1,363 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,363 <EPS-PRIMARY> 0.84 <EPS-DILUTED> 0.84 <YIELD-ACTUAL> 6.16 <LOANS-NON> 3,244 <LOANS-PAST> 1,371 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,247 <CHARGE-OFFS> 1,012 <RECOVERIES> 63 <ALLOWANCE-CLOSE> 2,918 <ALLOWANCE-DOMESTIC> 2,780 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 138