<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                  12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           30642
<INT-BEARING-DEPOSITS>                            3000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     132358
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         332743
<ALLOWANCE>                                       4856
<TOTAL-ASSETS>                                  509395
<DEPOSITS>                                      415056
<SHORT-TERM>                                     29748
<LIABILITIES-OTHER>                               5653
<LONG-TERM>                                       5514
<COMMON>                                         31180
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       22244
<TOTAL-LIABILITIES-AND-EQUITY>                  509395
<INTEREST-LOAN>                                  29356
<INTEREST-INVEST>                                 7250
<INTEREST-OTHER>                                   588
<INTEREST-TOTAL>                                 37194
<INTEREST-DEPOSIT>                               14085
<INTEREST-EXPENSE>                                1125
<INTEREST-INCOME-NET>                            21984
<LOAN-LOSSES>                                     1465
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  15689
<INCOME-PRETAX>                                  10223
<INCOME-PRE-EXTRAORDINARY>                       10223
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      7003
<EPS-PRIMARY>                                     1.11
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    5.35
<LOANS-NON>                                       2287
<LOANS-PAST>                                       242
<LOANS-TROUBLED>                                   300
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  4131
<CHARGE-OFFS>                                      941
<RECOVERIES>                                       201
<ALLOWANCE-CLOSE>                                 4856
<ALLOWANCE-DOMESTIC>                              4856
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0