<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 29617 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 37000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 64808 <INVESTMENTS-MARKET> 64598 <LOANS> 177368 <ALLOWANCE> 7548 <TOTAL-ASSETS> 309787 <DEPOSITS> 268646 <SHORT-TERM> 0 <LIABILITIES-OTHER> 9608 <LONG-TERM> 0 <COMMON> 26992 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 4541 <TOTAL-LIABILITIES-AND-EQUITY> 309787 <INTEREST-LOAN> 9087 <INTEREST-INVEST> 2822 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 11909 <INTEREST-DEPOSIT> 4187 <INTEREST-EXPENSE> 4291 <INTEREST-INCOME-NET> 7618 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6273 <INCOME-PRETAX> 2506 <INCOME-PRE-EXTRAORDINARY> 1409 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1409 <EPS-PRIMARY> .30 <EPS-DILUTED> .30 <YIELD-ACTUAL> 5.67 <LOANS-NON> 285 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2048 <ALLOWANCE-OPEN> 7427 <CHARGE-OFFS> 207 <RECOVERIES> 328 <ALLOWANCE-CLOSE> 7548 <ALLOWANCE-DOMESTIC> 7548 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0