<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 38,797 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 14,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120,754 <INVESTMENTS-CARRYING> 13,132 <INVESTMENTS-MARKET> 13,179 <LOANS> 211,223 <ALLOWANCE> 3,113 <TOTAL-ASSETS> 423,792 <DEPOSITS> 369,031 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,344 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 42,859 <OTHER-SE> 8,557 <TOTAL-LIABILITIES-AND-EQUITY> 423,792 <INTEREST-LOAN> 22,643 <INTEREST-INVEST> 8,389 <INTEREST-OTHER> 619 <INTEREST-TOTAL> 31,651 <INTEREST-DEPOSIT> 7,127 <INTEREST-EXPENSE> 7,155 <INTEREST-INCOME-NET> 24,496 <LOAN-LOSSES> 2,100 <SECURITIES-GAINS> 53 <EXPENSE-OTHER> 22,499 <INCOME-PRETAX> 5,123 <INCOME-PRE-EXTRAORDINARY> 5,123 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,764 <EPS-PRIMARY> .90 <EPS-DILUTED> .90 <YIELD-ACTUAL> 8.73 <LOANS-NON> 3,232 <LOANS-PAST> 106 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 10,169 <ALLOWANCE-OPEN> 2,818 <CHARGE-OFFS> 2,483 <RECOVERIES> 678 <ALLOWANCE-CLOSE> 3,113 <ALLOWANCE-DOMESTIC> 1,028 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,085