<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1994 <PERIOD-END> JUN-30-1995 DEC-31-1994 <CASH> 3280 6514 <INT-BEARING-DEPOSITS> 0 250 <FED-FUNDS-SOLD> 5100 3500 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 13468 14810 <INVESTMENTS-CARRYING> 23297 23963 <INVESTMENTS-MARKET> 23314 22930 <LOANS> 34234 32803 <ALLOWANCE> 765 738 <TOTAL-ASSETS> 85769 87536 <DEPOSITS> 70279 73872 <SHORT-TERM> 0 1500 <LIABILITIES-OTHER> 874 537 <LONG-TERM> 4251 2000 <COMMON> 4427 4427 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> 5938 5200 <TOTAL-LIABILITIES-AND-EQUITY> 85769 87536 <INTEREST-LOAN> 1851 1712 <INTEREST-INVEST> 1242 794 <INTEREST-OTHER> 81 115 <INTEREST-TOTAL> 3174 2621 <INTEREST-DEPOSIT> 1182 913 <INTEREST-EXPENSE> 1316 916 <INTEREST-INCOME-NET> 1858 1705 <LOAN-LOSSES> 0 (396) <SECURITIES-GAINS> 1 (206) <EXPENSE-OTHER> 1523 1795 <INCOME-PRETAX> 658 510 <INCOME-PRE-EXTRAORDINARY> 658 510 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 395 335 <EPS-PRIMARY> .38 .29 <EPS-DILUTED> .37 .29 <YIELD-ACTUAL> 8.50 7.40 <LOANS-NON> 0 707 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 204 209 <LOANS-PROBLEM> 971 1030 <ALLOWANCE-OPEN> 738 1339 <CHARGE-OFFS> 36 73 <RECOVERIES> 63 108 <ALLOWANCE-CLOSE> 765 738 <ALLOWANCE-DOMESTIC> 366 595 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 399 143