<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