<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          25,128
<INT-BEARING-DEPOSITS>                             115
<FED-FUNDS-SOLD>                                19,410
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,211
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        235,353
<ALLOWANCE>                                      3,652
<TOTAL-ASSETS>                                 354,956
<DEPOSITS>                                     317,601
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              5,452
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                            2,493
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      29,410
<TOTAL-LIABILITIES-AND-EQUITY>                 354,956
<INTEREST-LOAN>                                 19,627
<INTEREST-INVEST>                                3,177
<INTEREST-OTHER>                                   813
<INTEREST-TOTAL>                                23,617
<INTEREST-DEPOSIT>                               7,246
<INTEREST-EXPENSE>                               7,246
<INTEREST-INCOME-NET>                           16,371
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,325
<INCOME-PRETAX>                                  6,743
<INCOME-PRE-EXTRAORDINARY>                       6,743
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,643
<EPS-PRIMARY>                                     2.08
<EPS-DILUTED>                                     2.08
<YIELD-ACTUAL>                                    5.21
<LOANS-NON>                                        611
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,618
<CHARGE-OFFS>                                      769
<RECOVERIES>                                       303
<ALLOWANCE-CLOSE>                                3,652
<ALLOWANCE-DOMESTIC>                             2,821
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            831