<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           9,887
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,380
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     63,966
<INVESTMENTS-CARRYING>                          11,645
<INVESTMENTS-MARKET>                            12,197
<LOANS>                                        210,230
<ALLOWANCE>                                      2,617
<TOTAL-ASSETS>                                 309,428
<DEPOSITS>                                     366,980
<SHORT-TERM>                                     1,528
<LIABILITIES-OTHER>                              4,170
<LONG-TERM>                                        475
<PREFERRED-MANDATORY>                           12,274
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      24,001
<TOTAL-LIABILITIES-AND-EQUITY>                 309,428
<INTEREST-LOAN>                                 19,661
<INTEREST-INVEST>                                4,545
<INTEREST-OTHER>                                   281
<INTEREST-TOTAL>                                24,487
<INTEREST-DEPOSIT>                               9,840
<INTEREST-EXPENSE>                              10,131
<INTEREST-INCOME-NET>                           14,356
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  9,894
<INCOME-PRETAX>                                  6,793
<INCOME-PRE-EXTRAORDINARY>                       4,644
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,644
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.89
<YIELD-ACTUAL>                                    9.01
<LOANS-NON>                                        846
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   648
<LOANS-PROBLEM>                                  2,154
<ALLOWANCE-OPEN>                                 2,534
<CHARGE-OFFS>                                      208
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                2,617
<ALLOWANCE-DOMESTIC>                             2,617
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0