<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER 31, 1995 ANNUAL REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 4,488,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,300,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,909,000 <INVESTMENTS-CARRYING> 2,036,000 <INVESTMENTS-MARKET> 2,170,000 <LOANS> 51,483,000 <ALLOWANCE> 959,000 <TOTAL-ASSETS> 103,972,000 <DEPOSITS> 89,216,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 607,000 <LONG-TERM> 2,585,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,314,000 <OTHER-SE> 4,250,000 <TOTAL-LIABILITIES-AND-EQUITY> 103,972,000 <INTEREST-LOAN> 6,112,000 <INTEREST-INVEST> 1,777,000 <INTEREST-OTHER> 200,000 <INTEREST-TOTAL> 8,089,000 <INTEREST-DEPOSIT> 2,859,000 <INTEREST-EXPENSE> 279,000 <INTEREST-INCOME-NET> 4,951,000 <LOAN-LOSSES> 115,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,534,000 <INCOME-PRETAX> 1,242,000 <INCOME-PRE-EXTRAORDINARY> 1,242,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 843,000 <EPS-PRIMARY> .64 <EPS-DILUTED> .64 <YIELD-ACTUAL> 5.52 <LOANS-NON> 987,000 <LOANS-PAST> 118,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,127,000 <CHARGE-OFFS> 482,000 <RECOVERIES> 199,000 <ALLOWANCE-CLOSE> 959,000 <ALLOWANCE-DOMESTIC> 959,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 608,000