<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> DEC-31-1994 <CASH> 12,872 <INT-BEARING-DEPOSITS> 47 <FED-FUNDS-SOLD> 100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 144,905 <INVESTMENTS-MARKET> 140,604 <LOANS> 305,922 <ALLOWANCE> 3,370 <TOTAL-ASSETS> 472,032 <DEPOSITS> 388,798 <SHORT-TERM> 31,863 <LIABILITIES-OTHER> 2,724 <LONG-TERM> 0 <COMMON> 13,290 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 35,357 <TOTAL-LIABILITIES-AND-EQUITY> 472,032 <INTEREST-LOAN> 22,998 <INTEREST-INVEST> 7,128 <INTEREST-OTHER> 513 <INTEREST-TOTAL> 30,639 <INTEREST-DEPOSIT> 12,025 <INTEREST-EXPENSE> 12,419 <INTEREST-INCOME-NET> 18,220 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,660 <INCOME-PRETAX> 10,061 <INCOME-PRE-EXTRAORDINARY> 10,061 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,773 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.27 <YIELD-ACTUAL> 4.01 <LOANS-NON> 854 <LOANS-PAST> 2,219 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,581 <CHARGE-OFFS> 256 <RECOVERIES> 45 <ALLOWANCE-CLOSE> 3,370 <ALLOWANCE-DOMESTIC> 3,370 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0