<TABLE> <S> <C>


<ARTICLE>                                                          9

<MULTIPLIER>                                                   1,000

       
<S>                                                <C>
<PERIOD-TYPE>                                                     12-Mos
<FISCAL-YEAR-END>                                             Dec-31-1995
<PERIOD-END>                                                  Dec-31-1995
<CASH>                                                        25,151
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   67,545
<INVESTMENTS-CARRYING>                                        74,688
<INVESTMENTS-MARKET>                                          75,611
<LOANS>                                                      311,164
<ALLOWANCE>                                                    3,647
<TOTAL-ASSETS>                                               491,457
<DEPOSITS>                                                   436,452
<SHORT-TERM>                                                  10,904
<LIABILITIES-OTHER>                                            3,860
<LONG-TERM>                                                        0
<COMMON>                                                       4,495
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    35,746
<TOTAL-LIABILITIES-AND-EQUITY>                               491,457
<INTEREST-LOAN>                                               27,427
<INTEREST-INVEST>                                              9,194
<INTEREST-OTHER>                                                 374
<INTEREST-TOTAL>                                              36,995
<INTEREST-DEPOSIT>                                            14,513
<INTEREST-EXPENSE>                                            15,150
<INTEREST-INCOME-NET>                                         21,845
<LOAN-LOSSES>                                                  1,200
<SECURITIES-GAINS>                                                15
<EXPENSE-OTHER>                                               15,824
<INCOME-PRETAX>                                                9,573
<INCOME-PRE-EXTRAORDINARY>                                     6,280
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   6,280
<EPS-PRIMARY>                                                   2.29
<EPS-DILUTED>                                                   2.29
<YIELD-ACTUAL>                                                 4.818
<LOANS-NON>                                                    2,511
<LOANS-PAST>                                                       0
<LOANS-TROUBLED>                                               1,465
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               3,839
<CHARGE-OFFS>                                                  1,510
<RECOVERIES>                                                     118
<ALLOWANCE-CLOSE>                                              3,647
<ALLOWANCE-DOMESTIC>                                           3,021
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          626
        

</TABLE>