<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S FORM 10-K FOR THE YEAR-TO-DATE, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          31,432
<INT-BEARING-DEPOSITS>                             155
<FED-FUNDS-SOLD>                                37,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    143,120
<INVESTMENTS-CARRYING>                          58,214
<INVESTMENTS-MARKET>                            58,701
<LOANS>                                        418,994
<ALLOWANCE>                                      4,957
<TOTAL-ASSETS>                                 707,859
<DEPOSITS>                                     588,156
<SHORT-TERM>                                    33,975
<LIABILITIES-OTHER>                              5,255
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           632
<OTHER-SE>                                      79,841
<TOTAL-LIABILITIES-AND-EQUITY>                 707,859
<INTEREST-LOAN>                                 37,806
<INTEREST-INVEST>                               11,099
<INTEREST-OTHER>                                 1,059
<INTEREST-TOTAL>                                49,964
<INTEREST-DEPOSIT>                              19,565
<INTEREST-EXPENSE>                              22,083
<INTEREST-INCOME-NET>                           27,881
<LOAN-LOSSES>                                      640
<SECURITIES-GAINS>                                (66)
<EXPENSE-OTHER>                                 18,842
<INCOME-PRETAX>                                 15,306
<INCOME-PRE-EXTRAORDINARY>                       9,858
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,858
<EPS-PRIMARY>                                     1.95
<EPS-DILUTED>                                     1.95
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                        133
<LOANS-PAST>                                       863
<LOANS-TROUBLED>                                   625
<LOANS-PROBLEM>                                  3,122
<ALLOWANCE-OPEN>                                 4,998
<CHARGE-OFFS>                                      882
<RECOVERIES>                                       201
<ALLOWANCE-CLOSE>                                4,957
<ALLOWANCE-DOMESTIC>                             3,999
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            958