<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet at December 31, 1995 and the Consolidated Statement
of Income for the year ended December 31, 1995 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           17888
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   939
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     196029
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         298025
<ALLOWANCE>                                       3661
<TOTAL-ASSETS>                                  532082
<DEPOSITS>                                      417929
<SHORT-TERM>                                     47476
<LIABILITIES-OTHER>                               6003
<LONG-TERM>                                       6500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         15157
<OTHER-SE>                                       36528
<TOTAL-LIABILITIES-AND-EQUITY>                  532082
<INTEREST-LOAN>                                  25755
<INTEREST-INVEST>                                12406
<INTEREST-OTHER>                                   243
<INTEREST-TOTAL>                                 38404
<INTEREST-DEPOSIT>                               15786
<INTEREST-EXPENSE>                               19393
<INTEREST-INCOME-NET>                            19011
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                 647
<EXPENSE-OTHER>                                  13520
<INCOME-PRETAX>                                   8330
<INCOME-PRE-EXTRAORDINARY>                        8330
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      6182
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    8.08
<LOANS-NON>                                        862
<LOANS-PAST>                                       375
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   4700
<ALLOWANCE-OPEN>                                  3482
<CHARGE-OFFS>                                      225
<RECOVERIES>                                        44
<ALLOWANCE-CLOSE>                                 3661
<ALLOWANCE-DOMESTIC>                              3661
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            517
        

</TABLE>