<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM 1995 CONSOLIDATED
FINANCIAL STATEMENTS AND GUIDE 3 DATA FILED AS PART OF FORM 10-K FOR THE YEAR
ENDED DEC 31, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH DATA.
</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>                                          18,824
<INT-BEARING-DEPOSITS>                             315
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    128,190
<INVESTMENTS-CARRYING>                          52,814
<INVESTMENTS-MARKET>                            53,210
<LOANS>                                        292,002
<ALLOWANCE>                                      4,250
<TOTAL-ASSETS>                                 505,807
<DEPOSITS>                                     405,863
<SHORT-TERM>                                    48,294
<LIABILITIES-OTHER>                              5,095
<LONG-TERM>                                      1,786
<COMMON>                                        16,673
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      28,096
<TOTAL-LIABILITIES-AND-EQUITY>                 505,807
<INTEREST-LOAN>                                 27,268
<INTEREST-INVEST>                                9,426
<INTEREST-OTHER>                                   761
<INTEREST-TOTAL>                                37,455
<INTEREST-DEPOSIT>                              14,764
<INTEREST-EXPENSE>                              17,510
<INTEREST-INCOME-NET>                           19,944
<LOAN-LOSSES>                                    1,509
<SECURITIES-GAINS>                               (119)
<EXPENSE-OTHER>                                 14,370
<INCOME-PRETAX>                                  8,305
<INCOME-PRE-EXTRAORDINARY>                       8,305
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,275
<EPS-PRIMARY>                                     1.90
<EPS-DILUTED>                                     1.90
<YIELD-ACTUAL>                                    8.59
<LOANS-NON>                                         84
<LOANS-PAST>                                       707
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,374
<CHARGE-OFFS>                                      877
<RECOVERIES>                                       244
<ALLOWANCE-CLOSE>                                4,250
<ALLOWANCE-DOMESTIC>                             3,264
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            986
        

</TABLE>