<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 24,891 <INT-BEARING-DEPOSITS> 1,287 <FED-FUNDS-SOLD> 10,326 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,896 <INVESTMENTS-CARRYING> 8,596 <INVESTMENTS-MARKET> 8,662 <LOANS> 215,220 <ALLOWANCE> 2,397 <TOTAL-ASSETS> 353,579 <DEPOSITS> 307,819 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,784 <LONG-TERM> 0 <COMMON> 31,325 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 11,741 <TOTAL-LIABILITIES-AND-EQUITY> 353,579 <INTEREST-LOAN> 20,461 <INTEREST-INVEST> 5,305 <INTEREST-OTHER> 79 <INTEREST-TOTAL> 25,845 <INTEREST-DEPOSIT> 7,029 <INTEREST-EXPENSE> 7,029 <INTEREST-INCOME-NET> 18,816 <LOAN-LOSSES> 135 <SECURITIES-GAINS> (73) <EXPENSE-OTHER> 10,394 <INCOME-PRETAX> 8,214 <INCOME-PRE-EXTRAORDINARY> 8,214 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,034 <EPS-PRIMARY> 2 <EPS-DILUTED> 2 <YIELD-ACTUAL> 9 <LOANS-NON> 993 <LOANS-PAST> 141 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,438 <CHARGE-OFFS> 321 <RECOVERIES> 145 <ALLOWANCE-CLOSE> 2,397 <ALLOWANCE-DOMESTIC> 2,397 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0