<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SECOND QUARTER FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 26,217 <INT-BEARING-DEPOSITS> 38 <FED-FUNDS-SOLD> 1,334 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,941 <INVESTMENTS-CARRYING> 118,201 <INVESTMENTS-MARKET> 118,830 <LOANS> 306,508 <ALLOWANCE> 4,877 <TOTAL-ASSETS> 533,305 <DEPOSITS> 410,133 <SHORT-TERM> 67,699 <LIABILITIES-OTHER> 4,263 <LONG-TERM> 17,432 <COMMON> 1,438 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 32,340 <TOTAL-LIABILITIES-AND-EQUITY> 533,305 <INTEREST-LOAN> 14,310 <INTEREST-INVEST> 5,580 <INTEREST-OTHER> 90 <INTEREST-TOTAL> 19,980 <INTEREST-DEPOSIT> 7,820 <INTEREST-EXPENSE> 10,041 <INTEREST-INCOME-NET> 9,939 <LOAN-LOSSES> 60 <SECURITIES-GAINS> (23) <EXPENSE-OTHER> 4,087 <INCOME-PRETAX> 4,038 <INCOME-PRE-EXTRAORDINARY> 2,653 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,653 <EPS-PRIMARY> 1.84 <EPS-DILUTED> 1.84 <YIELD-ACTUAL> 4.22 <LOANS-NON> 59 <LOANS-PAST> 126 <LOANS-TROUBLED> 1,459 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,866 <CHARGE-OFFS> 100 <RECOVERIES> 51 <ALLOWANCE-CLOSE> 4,877 <ALLOWANCE-DOMESTIC> 1,183 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,694