<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               DEC-31-1995             DEC-31-1994
<CASH>                                            5239                    6514
<INT-BEARING-DEPOSITS>                             200                     250
<FED-FUNDS-SOLD>                                 17700                    3500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      15376                   15129
<INVESTMENTS-CARRYING>                           20348                   23644
<INVESTMENTS-MARKET>                             20463                   22611
<LOANS>                                          36759                   32803
<ALLOWANCE>                                        776                     738
<TOTAL-ASSETS>                                  100497                   87536
<DEPOSITS>                                       74949                   73872
<SHORT-TERM>                                      3070                    1500
<LIABILITIES-OTHER>                                904                     537
<LONG-TERM>                                      10517                    2000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                          4427                    4427
<OTHER-SE>                                        6630                    5200
<TOTAL-LIABILITIES-AND-EQUITY>                  100497                   87536
<INTEREST-LOAN>                                   3788                    3361
<INTEREST-INVEST>                                 2363                    1824
<INTEREST-OTHER>                                   421                     261
<INTEREST-TOTAL>                                  6572                    5446
<INTEREST-DEPOSIT>                                2470                    1919
<INTEREST-EXPENSE>                                2861                    1929
<INTEREST-INCOME-NET>                             3711                    3517
<LOAN-LOSSES>                                        0                   (396)
<SECURITIES-GAINS>                                  72                   (206)
<EXPENSE-OTHER>                                   2868                    3327
<INCOME-PRETAX>                                   1420                    1035
<INCOME-PRE-EXTRAORDINARY>                        1420                    1035
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       881                     658
<EPS-PRIMARY>                                      .83                     .59
<EPS-DILUTED>                                      .82                     .59
<YIELD-ACTUAL>                                     8.3                     7.7
<LOANS-NON>                                          0                     707
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                   196                     209
<LOANS-PROBLEM>                                   1161                    1030
<ALLOWANCE-OPEN>                                   738                    1339
<CHARGE-OFFS>                                       45                      73
<RECOVERIES>                                        83                     108
<ALLOWANCE-CLOSE>                                  776                     738
<ALLOWANCE-DOMESTIC>                               776                     738
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            344                     143
        

</TABLE>