<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF DECEMBER 31, 1995 AND THE STATEMENT OF INCOME
FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1995, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          26,278
<INT-BEARING-DEPOSITS>                           6,433
<FED-FUNDS-SOLD>                                41,750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,743
<INVESTMENTS-CARRYING>                          23,491
<INVESTMENTS-MARKET>                            23,582
<LOANS>                                         (3,644)
<ALLOWANCE>                                     (3,644)
<TOTAL-ASSETS>                                 395,181
<DEPOSITS>                                     361,114
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,817
<LONG-TERM>                                        208
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,788
<OTHER-SE>                                      20,254
<TOTAL-LIABILITIES-AND-EQUITY>                 395,181
<INTEREST-LOAN>                                 28,872
<INTEREST-INVEST>                                4,329
<INTEREST-OTHER>                                   202
<INTEREST-TOTAL>                                33,403
<INTEREST-DEPOSIT>                               9,751
<INTEREST-EXPENSE>                               9,786
<INTEREST-INCOME-NET>                           23,617
<LOAN-LOSSES>                                    2,016
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                 20,625
<INCOME-PRETAX>                                  5,663
<INCOME-PRE-EXTRAORDINARY>                       5,663
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,563
<EPS-PRIMARY>                                     0.82
<EPS-DILUTED>                                     0.82
<YIELD-ACTUAL>                                     6.8
<LOANS-NON>                                     12,620
<LOANS-PAST>                                     1,456
<LOANS-TROUBLED>                                 6,398
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,145
<CHARGE-OFFS>                                    2,066
<RECOVERIES>                                       548
<ALLOWANCE-CLOSE>                                3,644
<ALLOWANCE-DOMESTIC>                             3,644
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>