<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