<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