<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's December 31, 1995 audited balance sheet, income statement and cash
flow statement, and notes thereto, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                        6,816,00
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            21,346,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 93,771,000
<INVESTMENTS-CARRYING>                      38,461,000
<INVESTMENTS-MARKET>                        38,259,000
<LOANS>                                    238,857,000
<ALLOWANCE>                                  1,578,000
<TOTAL-ASSETS>                             410,164,000
<DEPOSITS>                                 339,365,000
<SHORT-TERM>                                18,950,000
<LIABILITIES-OTHER>                          7,136,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,512,000
<OTHER-SE>                                  42,201,000
<TOTAL-LIABILITIES-AND-EQUITY>             410,164,000
<INTEREST-LOAN>                             18,298,000
<INTEREST-INVEST>                            8,590,000
<INTEREST-OTHER>                               634,000
<INTEREST-TOTAL>                            27,522,000
<INTEREST-DEPOSIT>                          13,230,000
<INTEREST-EXPENSE>                          14,483,000
<INTEREST-INCOME-NET>                       13,039,000
<LOAN-LOSSES>                                  101,000
<SECURITIES-GAINS>                           (170,000)
<EXPENSE-OTHER>                              9,608,000
<INCOME-PRETAX>                              5,573,000
<INCOME-PRE-EXTRAORDINARY>                   5,573,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,389,000
<EPS-PRIMARY>                                     1.71
<EPS-DILUTED>                                     1.71
<YIELD-ACTUAL>                                    3.41
<LOANS-NON>                                    721,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,791,000
<CHARGE-OFFS>                                  356,000
<RECOVERIES>                                    42,000
<ALLOWANCE-CLOSE>                            1,578,000
<ALLOWANCE-DOMESTIC>                         1,228,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        350,000