<ARTICLE> 9
<CIK> 0000353650
<NAME> BWC FINANCIAL CORP
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                      15,166,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,950,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,873,000
<INVESTMENTS-CARRYING>                       7,863,000
<INVESTMENTS-MARKET>                         7,848,000
<LOANS>                                     89,145,000
<ALLOWANCE>                                  1,561,000
<TOTAL-ASSETS>                             137,933,000
<DEPOSITS>                                 123,386,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            705,000
<LONG-TERM>                                          0
<COMMON>                                    10,481,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   3,361,000
<TOTAL-LIABILITIES-AND-EQUITY>             137,933,000
<INTEREST-LOAN>                              4,574,000
<INTEREST-INVEST>                              734,000
<INTEREST-OTHER>                               137,000
<INTEREST-TOTAL>                             5,445,000
<INTEREST-DEPOSIT>                           1,560,000
<INTEREST-EXPENSE>                           1,561,000
<INTEREST-INCOME-NET>                        3,884,000
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,176,000
<INCOME-PRETAX>                              1,011,000
<INCOME-PRE-EXTRAORDINARY>                   1,011,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   289,000
<EPS-PRIMARY>                                     0.73
<EPS-DILUTED>                                     0.68
<YIELD-ACTUAL>                                    6.72
<LOANS-NON>                                    313,000
<LOANS-PAST>                                    12,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                550,000
<ALLOWANCE-OPEN>                             1,498,000
<CHARGE-OFFS>                                   96,000
<RECOVERIES>                                     9,000
<ALLOWANCE-CLOSE>                            1,561,000
<ALLOWANCE-DOMESTIC>                           865,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        696,000