<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED BALANCE SHEETS & CONSOLIDATED STATEMENTS OF OPERATIONS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 4,363,000 <INT-BEARING-DEPOSITS> 54,899,000 <FED-FUNDS-SOLD> 7,050,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,209,000 <INVESTMENTS-CARRYING> 12,265,000 <INVESTMENTS-MARKET> 12,260,000 <LOANS> 47,656,000 <ALLOWANCE> 933,000 <TOTAL-ASSETS> 76,075,000 <DEPOSITS> 68,665,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 720,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,567,000 <OTHER-SE> 2,123,000 <TOTAL-LIABILITIES-AND-EQUITY> 76,075,000 <INTEREST-LOAN> 4,475,000 <INTEREST-INVEST> 1,199,000 <INTEREST-OTHER> 239,000 <INTEREST-TOTAL> 5,913,000 <INTEREST-DEPOSIT> 2,029,000 <INTEREST-EXPENSE> 2,029,000 <INTEREST-INCOME-NET> 3,884,000 <LOAN-LOSSES> (68,000) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,670,000 <INCOME-PRETAX> 851,000 <INCOME-PRE-EXTRAORDINARY> 851,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 718,000 <EPS-PRIMARY> 1.19 <EPS-DILUTED> 1.14 <YIELD-ACTUAL> 5.92 <LOANS-NON> 1,042,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,605,000 <CHARGE-OFFS> 709,000 <RECOVERIES> 105,000 <ALLOWANCE-CLOSE> 933,000 <ALLOWANCE-DOMESTIC> 903,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 30,000