<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-START>                             JAN-01-1995             JAN-01-1994
<PERIOD-END>                               DEC-31-1995             DEC-31-1994
<CASH>                                          23,612                  20,089
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                41,025                  21,902
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     39,991                   1,910
<INVESTMENTS-CARRYING>                          10,269                  44,595
<INVESTMENTS-MARKET>                            10,462                  43,024
<LOANS>                                        214,251                 192,124
<ALLOWANCE>                                    (4,272)                 (3,757)
<TOTAL-ASSETS>                                 341,505                 292,799
<DEPOSITS>                                     300,988                 256,869
<SHORT-TERM>                                     3,487                   2,338
<LIABILITIES-OTHER>                              3,095                   3,142
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                            3,597                   2,698
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      30,338                  27,752
<TOTAL-LIABILITIES-AND-EQUITY>                 341,505                 292,799
<INTEREST-LOAN>                                 22,647                  18,017
<INTEREST-INVEST>                                4,056                   3,311
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                26,703                  21,328
<INTEREST-DEPOSIT>                              10,371                   7,603
<INTEREST-EXPENSE>                                 302                     225
<INTEREST-INCOME-NET>                           16,030                  13,500
<LOAN-LOSSES>                                      848                     638
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 12,228                  11,547
<INCOME-PRETAX>                                  6,230                   4,340
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,341                   3,100
<EPS-PRIMARY>                                     1.29                    1.05
<EPS-DILUTED>                                     1.29                    1.05
<YIELD-ACTUAL>                                    9.83                    8.80
<LOANS-NON>                                      2,259                   3,460
<LOANS-PAST>                                        27                     103
<LOANS-TROUBLED>                                     0                     358
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,757                   3,571
<CHARGE-OFFS>                                      730                     971
<RECOVERIES>                                       397                     519
<ALLOWANCE-CLOSE>                                4,272                   3,757
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,272                   3,757