<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