<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