<ARTICLE>  9
<MULTIPLIER>  1,000
       
                                                           
<PERIOD-TYPE>                                                 YEAR
<FISCAL-YEAR-END>                                         DEC-31-1995
<PERIOD-END>                                              DEC-31-1995
<CASH>                                                         12,950
<INT-BEARING-DEPOSITS>                                              0
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<TRADING-ASSETS>                                                    0
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<INVESTMENTS-CARRYING>                                         42,515
<INVESTMENTS-MARKET>                                           42,861
<LOANS>                                                       155,957
<ALLOWANCE>                                                     2,384
<TOTAL-ASSETS>                                                276,049
<DEPOSITS>                                                    242,887
<SHORT-TERM>                                                   10,099
<LIABILITIES-OTHER>                                             2,197
<LONG-TERM>                                                         0
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        1,780
<OTHER-SE>                                                     19,086
<TOTAL-LIABILITIES-AND-EQUITY>                                276,049  
<INTEREST-LOAN>                                                13,492  
<INTEREST-INVEST>                                               5,893
<INTEREST-OTHER>                                                  331
<INTEREST-TOTAL>                                               19,716
<INTEREST-DEPOSIT>                                              8,080
<INTEREST-EXPENSE>                                              8,337
<INTEREST-INCOME-NET>                                          11,379
<LOAN-LOSSES>                                                   1,010
<SECURITIES-GAINS>                                                (79)
<EXPENSE-OTHER>                                                 9,539
<INCOME-PRETAX>                                                 2,223
<INCOME-PRE-EXTRAORDINARY>                                      1,687
<EXTRAORDINARY>                                                     0
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<NET-INCOME>                                                    1,687
<EPS-PRIMARY>                                                    1.19
<EPS-DILUTED>                                                    1.19
<YIELD-ACTUAL>                                                   4.64
<LOANS-NON>                                                     4,488
<LOANS-PAST>                                                      272
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                 2,592
<ALLOWANCE-OPEN>                                                2,024
<CHARGE-OFFS>                                                     703
<RECOVERIES>                                                       53
<ALLOWANCE-CLOSE>                                               2,384
<ALLOWANCE-DOMESTIC>                                            2,384
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                           582