<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> 29,088 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 94,030 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 316,841 <ALLOWANCE> 5,734 <TOTAL-ASSETS> 461,683 <DEPOSITS> 406,811 <SHORT-TERM> 6,407 <LIABILITIES-OTHER> 2,953 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,658 <OTHER-SE> 8,600 <TOTAL-LIABILITIES-AND-EQUITY> 461,683 <INTEREST-LOAN> 25,960 <INTEREST-INVEST> 6,299 <INTEREST-OTHER> 1,137 <INTEREST-TOTAL> 33,396 <INTEREST-DEPOSIT> 10,998 <INTEREST-EXPENSE> 12,015 <INTEREST-INCOME-NET> 21,381 <LOAN-LOSSES> 1,539 <SECURITIES-GAINS> (620) <EXPENSE-OTHER> 23,293 <INCOME-PRETAX> 1,562 <INCOME-PRE-EXTRAORDINARY> 869 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 869 <EPS-PRIMARY> 0.12 <EPS-DILUTED> 0.12 <YIELD-ACTUAL> 5.30 <LOANS-NON> 1,385 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,497 <LOANS-PROBLEM> 10,860 <ALLOWANCE-OPEN> 5,318 <CHARGE-OFFS> 2,648 <RECOVERIES> 908 <ALLOWANCE-CLOSE> 5,734 <ALLOWANCE-DOMESTIC> 5,734 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0