<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          17,180
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,343
<INVESTMENTS-CARRYING>                          24,010
<INVESTMENTS-MARKET>                            24,529
<LOANS>                                        123,237
<ALLOWANCE>                                      1,609
<TOTAL-ASSETS>                                 209,977
<DEPOSITS>                                     185,524
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,956
<LONG-TERM>                                      1,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,145
<OTHER-SE>                                      16,352
<TOTAL-LIABILITIES-AND-EQUITY>                 209,977
<INTEREST-LOAN>                                 11,965
<INTEREST-INVEST>                                3,376
<INTEREST-OTHER>                                   135
<INTEREST-TOTAL>                                15,476
<INTEREST-DEPOSIT>                               6,116
<INTEREST-EXPENSE>                               6,380
<INTEREST-INCOME-NET>                            9,096
<LOAN-LOSSES>                                      222
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  6,953
<INCOME-PRETAX>                                  3,450
<INCOME-PRE-EXTRAORDINARY>                       3,450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,615
<EPS-PRIMARY>                                     2.82
<EPS-DILUTED>                                     2.82
<YIELD-ACTUAL>                                    5.40
<LOANS-NON>                                        444
<LOANS-PAST>                                       413
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,539
<ALLOWANCE-OPEN>                                 1,498
<CHARGE-OFFS>                                      211
<RECOVERIES>                                       100
<ALLOWANCE-CLOSE>                                1,609
<ALLOWANCE-DOMESTIC>                               553
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,056
        

</TABLE>