<ARTICLE> 9 <LEGEND> This Schedule contains summary financial information extracted from the Balance Sheet and Statement of Income and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> Year <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 8,276 <INT-BEARING-DEPOSITS> 103 <FED-FUNDS-SOLD> 9,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,111 <INVESTMENTS-CARRYING> 10,133 <INVESTMENTS-MARKET> 10,269 <LOANS> 59,981 <ALLOWANCE> 1,516 <TOTAL-ASSETS> 93,815 <DEPOSITS> 83,979 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 758 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 10 <COMMON> 4,053 <OTHER-SE> 4,015 <TOTAL-LIABILITIES-AND-EQUITY> 93,815 <INTEREST-LOAN> 6,292 <INTEREST-INVEST> 651 <INTEREST-OTHER> 564 <INTEREST-TOTAL> 7,507 <INTEREST-DEPOSIT> 2,223 <INTEREST-EXPENSE> 2,223 <INTEREST-INCOME-NET> 5,284 <LOAN-LOSSES> 210 <SECURITIES-GAINS> (016) <EXPENSE-OTHER> 5,556 <INCOME-PRETAX> 2,050 <INCOME-PRE-EXTRAORDINARY> 2,050 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,211 <EPS-PRIMARY> 1.37 <EPS-DILUTED> 1.31 <YIELD-ACTUAL> 10.30 <LOANS-NON> 470 <LOANS-PAST> 025 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,505 <CHARGE-OFFS> 233 <RECOVERIES> 034 <ALLOWANCE-CLOSE> 1,516 <ALLOWANCE-DOMESTIC> 1,516 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0