<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 6,777 <INT-BEARING-DEPOSITS> 8,121 <FED-FUNDS-SOLD> 20,690 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,882 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 85,327 <ALLOWANCE> (2,000) <TOTAL-ASSETS> 137,810 <DEPOSITS> 124,724 <SHORT-TERM> 36 <LIABILITIES-OTHER> 791 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332 <OTHER-SE> 927 <TOTAL-LIABILITIES-AND-EQUITY> 137,810 <INTEREST-LOAN> 8,427 <INTEREST-INVEST> 591 <INTEREST-OTHER> 1,902 <INTEREST-TOTAL> 10,920 <INTEREST-DEPOSIT> 2,732 <INTEREST-EXPENSE> 2,764 <INTEREST-INCOME-NET> 8,156 <LOAN-LOSSES> 678 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,644 <INCOME-PRETAX> 2,281 <INCOME-PRE-EXTRAORDINARY> 2,281 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,027 <EPS-PRIMARY> 0.85 <EPS-DILUTED> 0.81 <YIELD-ACTUAL> 0.066 <LOANS-NON> 530 <LOANS-PAST> 2,386 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,390 <CHARGE-OFFS> 219 <RECOVERIES> 151 <ALLOWANCE-CLOSE> 2,000 <ALLOWANCE-DOMESTIC> 2,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0