<TABLE> <S> <C>




<ARTICLE>                                          9
<LEGEND>                                            
                                   EXHIBIT 27

                             Financial Data Schedule
</LEGEND>                                           
<MULTIPLIER>                                       1,000
                                                    
<S>                                                <C>
<PERIOD-TYPE>                                      Year
<FISCAL-YEAR-END>                                  Dec-31-1995
<PERIOD-END>                                       Dec-31-1995
<CASH>                                              14,495
<INT-BEARING-DEPOSITS>                             247,216
<FED-FUNDS-SOLD>                                     9,075
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                              74,793
<INVESTMENTS-MARKET>                                75,063
<LOANS>                                            222,235
<ALLOWANCE>                                          4,446
<TOTAL-ASSETS>                                     341,561
<DEPOSITS>                                         307,161
<SHORT-TERM>                                           540
<LIABILITIES-OTHER>                                  3,063
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               308
<OTHER-SE>                                          30,172
<TOTAL-LIABILITIES-AND-EQUITY>                     341,561
<INTEREST-LOAN>                                     12,935
<INTEREST-INVEST>                                    2,958
<INTEREST-OTHER>                                       407
<INTEREST-TOTAL>                                    16,300
<INTEREST-DEPOSIT>                                   5,703
<INTEREST-EXPENSE>                                   5,736
<INTEREST-INCOME-NET>                               10,564
<LOAN-LOSSES>                                          700
<SECURITIES-GAINS>                                      19
<EXPENSE-OTHER>                                      8,591
<INCOME-PRETAX>                                      2,965
<INCOME-PRE-EXTRAORDINARY>                             985
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,980
<EPS-PRIMARY>                                         0.91
<EPS-DILUTED>                                         0.91
<YIELD-ACTUAL>                                        8.12
<LOANS-NON>                                          4,725
<LOANS-PAST>                                           273
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     14,067
<ALLOWANCE-OPEN>                                     2,564
<CHARGE-OFFS>                                          978
<RECOVERIES>                                           199
<ALLOWANCE-CLOSE>                                    4,446
<ALLOWANCE-DOMESTIC>                                 4,446
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
         

</TABLE>