<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