<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 10417400 <INT-BEARING-DEPOSITS> 585000 <FED-FUNDS-SOLD> 9000000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 11812200 <INVESTMENTS-MARKET> 0 <LOANS> 52594400 <ALLOWANCE> 700900 <TOTAL-ASSETS> 90807900 <DEPOSITS> 85668400 <SHORT-TERM> 0 <LIABILITIES-OTHER> 237300 <LONG-TERM> 0 <COMMON> 8080000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (3177800) <TOTAL-LIABILITIES-AND-EQUITY> 90807900 <INTEREST-LOAN> 2511100 <INTEREST-INVEST> 529300 <INTEREST-OTHER> 126300 <INTEREST-TOTAL> 3166700 <INTEREST-DEPOSIT> 703600 <INTEREST-EXPENSE> 9500 <INTEREST-INCOME-NET> 2453600 <LOAN-LOSSES> 441100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2631500 <INCOME-PRETAX> (474900) <INCOME-PRE-EXTRAORDINARY> (474900) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (474900) <EPS-PRIMARY> (0.38) <EPS-DILUTED> (0.38) <YIELD-ACTUAL> 6.40 <LOANS-NON> 877000 <LOANS-PAST> 134000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 796500 <CHARGE-OFFS> 612100 <RECOVERIES> 75400 <ALLOWANCE-CLOSE> 700900 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0