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<MULTIPLIER>             1,000
       
                                      
<PERIOD-TYPE>                             YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1995
<PERIOD-END>                                                         DEC-31-1995
<CASH>                                                                    30,172
<INT-BEARING-DEPOSITS>                                                   235,031
<FED-FUNDS-SOLD>                                                          16,000
<TRADING-ASSETS>                                                               0
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<INVESTMENTS-CARRYING>                                                   156,030
<INVESTMENTS-MARKET>                                                     157,449
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<ALLOWANCE>                                                                1,073
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<DEPOSITS>                                                               295,666
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<LIABILITIES-OTHER>                                                        2,106
<LONG-TERM>                                                                    0
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<PREFERRED>                                                                    0
<OTHER-SE>                                                                23,480
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<INTEREST-OTHER>                                                             293
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<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                            49
<EXPENSE-OTHER>                                                            8,138
<INCOME-PRETAX>                                                            5,556
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<EPS-PRIMARY>                                                               2.73
<EPS-DILUTED>                                                               2.73
<YIELD-ACTUAL>                                                              6.92
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                  48
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                               0
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<CHARGE-OFFS>                                                                 10
<RECOVERIES>                                                                  10
<ALLOWANCE-CLOSE>                                                          1,073
<ALLOWANCE-DOMESTIC>                                                         675
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      397