<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