<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 7,106 <INT-BEARING-DEPOSITS> 4,356 <FED-FUNDS-SOLD> 14,780 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 197 <INVESTMENTS-CARRYING> 1,235 <INVESTMENTS-MARKET> 1,250 <LOANS> 74,699 <ALLOWANCE> 1,325 <TOTAL-ASSETS> 104,851 <DEPOSITS> 96,752 <SHORT-TERM> 0 <LIABILITIES-OTHER> 652 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,915 <OTHER-SE> 532 <TOTAL-LIABILITIES-AND-EQUITY> 104,851 <INTEREST-LOAN> 7,515 <INTEREST-INVEST> 83 <INTEREST-OTHER> 834 <INTEREST-TOTAL> 8,432 <INTEREST-DEPOSIT> 2,634 <INTEREST-EXPENSE> 2,634 <INTEREST-INCOME-NET> 5,798 <LOAN-LOSSES> 323 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,409 <INCOME-PRETAX> 1,866 <INCOME-PRE-EXTRAORDINARY> 1,101 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,101 <EPS-PRIMARY> 1.46 <EPS-DILUTED> 1.25 <YIELD-ACTUAL> 10.14 <LOANS-NON> 1,447 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 377 <ALLOWANCE-OPEN> 1,050 <CHARGE-OFFS> 51 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 1,325 <ALLOWANCE-DOMESTIC> 1,325 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 155