<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of June 30, 1995.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               JUN-30-1995
<CASH>                                          16,412
<INT-BEARING-DEPOSITS>                             266
<FED-FUNDS-SOLD>                                18,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    107,025
<INVESTMENTS-CARRYING>                          10,018
<INVESTMENTS-MARKET>                            10,026
<LOANS>                                        366,201
<ALLOWANCE>                                      6,681
<TOTAL-ASSETS>                                 530,494
<DEPOSITS>                                     437,403
<SHORT-TERM>                                    15,139
<LIABILITIES-OTHER>                              5,567
<LONG-TERM>                                     22,450
<COMMON>                                        24,397
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      25,538
<TOTAL-LIABILITIES-AND-EQUITY>                 530,494
<INTEREST-LOAN>                                 16,751
<INTEREST-INVEST>                                3,733
<INTEREST-OTHER>                                 3,395
<INTEREST-TOTAL>                                20,879
<INTEREST-DEPOSIT>                               8,809
<INTEREST-EXPENSE>                               9,844
<INTEREST-INCOME-NET>                           11,035
<LOAN-LOSSES>                                      595
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,149
<INCOME-PRETAX>                                  4,325
<INCOME-PRE-EXTRAORDINARY>                       3,020
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,020
<EPS-PRIMARY>                                     1.04
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                        382
<LOANS-PAST>                                     1,024
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,698
<ALLOWANCE-OPEN>                                 6,783
<CHARGE-OFFS>                                      916
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                                6,681
<ALLOWANCE-DOMESTIC>                             6,681
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0