<ARTICLE> 9
<CIK> 0000706731
<NAME> GUARANTY BANCSHARES HOLDING CORPORATION
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                            2168
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  2250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       5227
<INVESTMENTS-CARRYING>                           11172
<INVESTMENTS-MARKET>                             11145
<LOANS>                                          35698
<ALLOWANCE>                                        506
<TOTAL-ASSETS>                                   59693
<DEPOSITS>                                       50338
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                504
<LONG-TERM>                                       3452
<COMMON>                                          1067
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                       3604
<OTHER-SE>                                         728
<TOTAL-LIABILITIES-AND-EQUITY>                   59693
<INTEREST-LOAN>                                   1722
<INTEREST-INVEST>                                  480
<INTEREST-OTHER>                                    71
<INTEREST-TOTAL>                                  2273
<INTEREST-DEPOSIT>                                 824
<INTEREST-EXPENSE>                                 971
<INTEREST-INCOME-NET>                             1302
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1164
<INCOME-PRETAX>                                    330
<INCOME-PRE-EXTRAORDINARY>                         330
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       212
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                         95
<LOANS-PAST>                                         9
<LOANS-TROUBLED>                                    95
<LOANS-PROBLEM>                                     95
<ALLOWANCE-OPEN>                                   502
<CHARGE-OFFS>                                       13
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                  506
<ALLOWANCE-DOMESTIC>                               506
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0