<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED BALANCE SHEETS FOUND
ON PAGES 110 AND 111 OF THE COMPANY'S FORM 10-K FOR THE YEAR-TO-DATE, AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           6,864
<INT-BEARING-DEPOSITS>                             116
<FED-FUNDS-SOLD>                                15,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    108,706
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        213,835
<ALLOWANCE>                                      3,903
<TOTAL-ASSETS>                                 350,948
<DEPOSITS>                                     317,099
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,906
<LONG-TERM>                                      3,048
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           733
<OTHER-SE>                                      27,162
<TOTAL-LIABILITIES-AND-EQUITY>                 350,948
<INTEREST-LOAN>                                 17,478
<INTEREST-INVEST>                                7,989
<INTEREST-OTHER>                                 1,000
<INTEREST-TOTAL>                                26,467
<INTEREST-DEPOSIT>                              14,093
<INTEREST-EXPENSE>                              14,994
<INTEREST-INCOME-NET>                           11,473
<LOAN-LOSSES>                                      435
<SECURITIES-GAINS>                             (4,393)
<EXPENSE-OTHER>                                  8,194
<INCOME-PRETAX>                                  (352)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       200
<EPS-PRIMARY>                                     0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    7.75
<LOANS-NON>                                      1,331
<LOANS-PAST>                                     2,150
<LOANS-TROUBLED>                                   262
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,576
<CHARGE-OFFS>                                      393
<RECOVERIES>                                       285
<ALLOWANCE-CLOSE>                                3,903
<ALLOWANCE-DOMESTIC>                             3,903
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>