<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          15,605
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,250
<INVESTMENTS-CARRYING>                          76,402
<INVESTMENTS-MARKET>                            77,231
<LOANS>                                        152,404
<ALLOWANCE>                                      2,242
<TOTAL-ASSETS>                                 324,694
<DEPOSITS>                                     251,156
<SHORT-TERM>                                    37,701
<LIABILITIES-OTHER>                              3,642
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,791
<OTHER-SE>                                      27,404
<TOTAL-LIABILITIES-AND-EQUITY>                 324,694
<INTEREST-LOAN>                                 14,070
<INTEREST-INVEST>                                7,642
<INTEREST-OTHER>                                   889
<INTEREST-TOTAL>                                22,601
<INTEREST-DEPOSIT>                               8,032
<INTEREST-EXPENSE>                              10,115
<INTEREST-INCOME-NET>                           12,486
<LOAN-LOSSES>                                      110
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                  9,797
<INCOME-PRETAX>                                  5,533
<INCOME-PRE-EXTRAORDINARY>                       3,756
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,756
<EPS-PRIMARY>                                     7.86
<EPS-DILUTED>                                     7.86
<YIELD-ACTUAL>                                    4.40
<LOANS-NON>                                        479
<LOANS-PAST>                                        79
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,579
<ALLOWANCE-OPEN>                                 2,220
<CHARGE-OFFS>                                      449
<RECOVERIES>                                       361
<ALLOWANCE-CLOSE>                                2,242
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1><F2>
<FN>
<F1>EPS-PRIMARY, EPS-DILUTED, AND YIELD-ACTUAL ARE NOT STATED IN 1,000S.
<F2>LOANS-PROBLEM INCLUDES NON-ACCRUAL LOANS PLUS CONFEDERATED LIFE.
</FN>
        

</TABLE>