<ARTICLE> 9
<LEGEND>          FINANCIAL DATA SCHEDULE FIRST NATIONAL CORP.

This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Statement  of  Financial  Condition  at December  31, 1995 and the
Consolidated  Statement  of Income for the Year Ended  December  31, 1995 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>                                                       24,144
<INT-BEARING-DEPOSITS>                                            0
<FED-FUNDS-SOLD>                                                  0
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                  55,836
<INVESTMENTS-CARRYING>                                       95,660
<INVESTMENTS-MARKET>                                         96,594
<LOANS>                                                     247,883
<ALLOWANCE>                                                   3,703
<TOTAL-ASSETS>                                              436,322
<DEPOSITS>                                                  368,315
<SHORT-TERM>                                                 25,833
<LIABILITIES-OTHER>                                           2,397
<LONG-TERM>                                                       0
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                     11,222
<OTHER-SE>                                                   28,555
<TOTAL-LIABILITIES-AND-EQUITY>                              436,322
<INTEREST-LOAN>                                              22,020
<INTEREST-INVEST>                                             7,676
<INTEREST-OTHER>                                                487
<INTEREST-TOTAL>                                             30,183
<INTEREST-DEPOSIT>                                           11,243
<INTEREST-EXPENSE>                                           12,525
<INTEREST-INCOME-NET>                                        17,658
<LOAN-LOSSES>                                                   844
<SECURITIES-GAINS>                                               15
<EXPENSE-OTHER>                                               4,710
<INCOME-PRETAX>                                               6,542
<INCOME-PRE-EXTRAORDINARY>                                        0
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  4,640
<EPS-PRIMARY>                                                  2.07
<EPS-DILUTED>                                                  2.07
<YIELD-ACTUAL>                                                 7.98
<LOANS-NON>                                                     845
<LOANS-PAST>                                                    354
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                               3,826
<ALLOWANCE-OPEN>                                              3,194
<CHARGE-OFFS>                                                   691
<RECOVERIES>                                                    356
<ALLOWANCE-CLOSE>                                             3,703
<ALLOWANCE-DOMESTIC>                                          3,703
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0