<ARTICLE>   9                                    
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   6-MOS                                  
<FISCAL-YEAR-END>               DEC-31-1995
<PERIOD-START>                  JAN-01-1995
<PERIOD-END>                    JUN-30-1995
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<INTEREST-DEPOSIT>                4,715,090
<INTEREST-EXPENSE>                5,421,584
<INTEREST-INCOME-NET>             7,682,404
<LOAN-LOSSES>                        90,000
<SECURITIES-GAINS>                     (106) 
<EXPENSE-OTHER>                   6,134,584
<INCOME-PRETAX>                   2,258,541
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<LOANS-NON>                         581,000    
<LOANS-PAST>                        419,000
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