<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                      15,563,000
<INT-BEARING-DEPOSITS>                         759,000
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<TRADING-ASSETS>                                     0
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<COMMON>                                     3,580,000
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