<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 <FED-FUNDS-SOLD> 4,425,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 64,321,000 <INVESTMENTS-CARRYING> 64,021,000 <INVESTMENTS-MARKET> 63,486,000 <LOANS> 295,805,000 <ALLOWANCE> 2,696,000 <TOTAL-ASSETS> 464,706,000 <DEPOSITS> 389,270,000 <SHORT-TERM> 29,480,000 <LIABILITIES-OTHER> 4,506,000 <LONG-TERM> 7,700,000 <COMMON> 3,580,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 3,100,000 <OTHER-SE> 27,070,000 <TOTAL-LIABILITIES-AND-EQUITY> 464,706,000 <INTEREST-LOAN> 12,004,000 <INTEREST-INVEST> 3,906,000 <INTEREST-OTHER> 204,000 <INTEREST-TOTAL> 16,114,000 <INTEREST-DEPOSIT> 7,148,000 <INTEREST-EXPENSE> 749,000 <INTEREST-INCOME-NET> 8,217,000 <LOAN-LOSSES> 90,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,323,000 <INCOME-PRETAX> 2,771,000 <INCOME-PRE-EXTRAORDINARY> 2,771,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,913,000 <EPS-PRIMARY> 2.00 <EPS-DILUTED> 1.90 <YIELD-ACTUAL> 3.99 <LOANS-NON> 283,000 <LOANS-PAST> 400,000 <LOANS-TROUBLED> 664,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,608,000 <CHARGE-OFFS> 40,000 <RECOVERIES> 38,000 <ALLOWANCE-CLOSE> 2,696,000 <ALLOWANCE-DOMESTIC> 2,696,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 803,000