<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM FINANCIAL STATEMENTS
FOR THE YEAR ENDED DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFRENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           6,293
<INT-BEARING-DEPOSITS>                              99
<FED-FUNDS-SOLD>                                 5,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,687
<INVESTMENTS-CARRYING>                          14,678
<INVESTMENTS-MARKET>                            14,765
<LOANS>                                         57,086
<ALLOWANCE>                                      1,196
<TOTAL-ASSETS>                                 109,107
<DEPOSITS>                                      99,348
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                593
<LONG-TERM>                                          0
<COMMON>                                           800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       8,366
<TOTAL-LIABILITIES-AND-EQUITY>                 109,107
<INTEREST-LOAN>                                  4,819
<INTEREST-INVEST>                                2,510
<INTEREST-OTHER>                                   170
<INTEREST-TOTAL>                                  7499
<INTEREST-DEPOSIT>                               3,124
<INTEREST-EXPENSE>                               3,124
<INTEREST-INCOME-NET>                            4,375
<LOAN-LOSSES>                                      136
<SECURITIES-GAINS>                                 (9)
<EXPENSE-OTHER>                                  3,582
<INCOME-PRETAX>                                  1,293
<INCOME-PRE-EXTRAORDINARY>                       1,293
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,077
<EPS-PRIMARY>                                     6.73
<EPS-DILUTED>                                     6.73
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                        853
<LOANS-PAST>                                       135
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    853
<ALLOWANCE-OPEN>                                 1,104
<CHARGE-OFFS>                                       88
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                1,196
<ALLOWANCE-DOMESTIC>                             1,196
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0