<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1994 <PERIOD-END> DEC-31-1994 <EXCHANGE-RATE> 1 <CASH> 56,488 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 68,261 <INVESTMENTS-CARRYING> 126,380 <INVESTMENTS-MARKET> 123,096 <LOANS> 535,290 <ALLOWANCE> 6,214 <TOTAL-ASSETS> 811,654 <DEPOSITS> 723,993 <SHORT-TERM> 4,300 <LIABILITIES-OTHER> 6,268 <LONG-TERM> 0 <COMMON> 77,536 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (443) <TOTAL-LIABILITIES-AND-EQUITY> 77,093 <INTEREST-LOAN> 42,145 <INTEREST-INVEST> 8,756 <INTEREST-OTHER> 663 <INTEREST-TOTAL> 51,564 <INTEREST-DEPOSIT> 15,381 <INTEREST-EXPENSE> 15,734 <INTEREST-INCOME-NET> 35,830 <LOAN-LOSSES> 730 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 27,752 <INCOME-PRETAX> 13,023 <INCOME-PRE-EXTRAORDINARY> 8,318 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,318 <EPS-PRIMARY> 2.25 <EPS-DILUTED> 2.25 <YIELD-ACTUAL> 7.62 <LOANS-NON> 6,014 <LOANS-PAST> 2,015 <LOANS-TROUBLED> 372 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,922 <CHARGE-OFFS> 1,468 <RECOVERIES> 352 <ALLOWANCE-CLOSE> 6,214 <ALLOWANCE-DOMESTIC> 6,214 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0