<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