<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
<INVESTMENTS-HELD-FOR-SALE>                                 55,380
<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
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<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
<CHANGES>                                                        0
<NET-INCOME>                                                 1,687
<EPS-PRIMARY>                                                 1.19
<EPS-DILUTED>                                                 1.18
<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