<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-START>                             JAN-01-1995             JAN-01-1994
<PERIOD-END>                               DEC-31-1995             DEC-31-1994
<CASH>                                          16,758                  13,690
<INT-BEARING-DEPOSITS>                               0                      40
<FED-FUNDS-SOLD>                                14,800                  18,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     10,021                   9,965
<INVESTMENTS-CARRYING>                          51,199                  58,010
<INVESTMENTS-MARKET>                            52,163                  56,914
<LOANS>                                        154,696                 154,716
<ALLOWANCE>                                      4,960                   3,216
<TOTAL-ASSETS>                                 250,839                 261,060
<DEPOSITS>                                     220,098                 233,831
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              1,381                   1,184
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        36,751                  36,467
<OTHER-SE>                                     (7,391)                (10,422)
<TOTAL-LIABILITIES-AND-EQUITY>                 250,839                 261,060
<INTEREST-LOAN>                                 15,999                  15,189
<INTEREST-INVEST>                                4,239                   2,634
<INTEREST-OTHER>                                   630                     473
<INTEREST-TOTAL>                                20,868                  18,296
<INTEREST-DEPOSIT>                               5,025                   4,858
<INTEREST-EXPENSE>                               5,036                   4,876
<INTEREST-INCOME-NET>                           15,832                  13,420
<LOAN-LOSSES>                                    2,565                     375
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 11,218                  12,068
<INCOME-PRETAX>                                  3,145                   2,482
<INCOME-PRE-EXTRAORDINARY>                       3,145                   2,457
<EXTRAORDINARY>                                      0                   (647)
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,010                   1,810
<EPS-PRIMARY>                                      .67                     .41
<EPS-DILUTED>                                      .67                     .41
<YIELD-ACTUAL>                                    .069                    .059
<LOANS-NON>                                      2,859                   3,412
<LOANS-PAST>                                       325                     491
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,216                   4,371
<CHARGE-OFFS>                                    1,416                   2,063
<RECOVERIES>                                       595                     533
<ALLOWANCE-CLOSE>                                4,960                   3,216
<ALLOWANCE-DOMESTIC>                             4,960                   3,216
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,334                     797