<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 56,618 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 58,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 159,480 <INVESTMENTS-CARRYING> 54,158 <INVESTMENTS-MARKET> 55,525 <LOANS> 414,964 <ALLOWANCE> 4,066 <TOTAL-ASSETS> 771,348 <DEPOSITS> 660,967 <SHORT-TERM> 43,907 <LIABILITIES-OTHER> 4,274 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 429 <OTHER-SE> 61,771 <TOTAL-LIABILITIES-AND-EQUITY> 771,348 <INTEREST-LOAN> 30,707 <INTEREST-INVEST> 15,117 <INTEREST-OTHER> 2,327 <INTEREST-TOTAL> 48,151 <INTEREST-DEPOSIT> 20,702 <INTEREST-EXPENSE> 21,061 <INTEREST-INCOME-NET> 27,090 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 480 <EXPENSE-OTHER> 24,246 <INCOME-PRETAX> 10,591 <INCOME-PRE-EXTRAORDINARY> 6,826 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,826 <EPS-PRIMARY> 1.58 <EPS-DILUTED> 1.58 <YIELD-ACTUAL> 7.63 <LOANS-NON> 5,105 <LOANS-PAST> 134 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,373 <CHARGE-OFFS> 533 <RECOVERIES> 420 <ALLOWANCE-CLOSE> 4,066 <ALLOWANCE-DOMESTIC> 4,066 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0