<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 7578 <INT-BEARING-DEPOSITS> 13659 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13950 <INVESTMENTS-CARRYING> 52344 <INVESTMENTS-MARKET> 52431 <LOANS> 219056 <ALLOWANCE> (3379) <TOTAL-ASSETS> 313400 <DEPOSITS> 258726 <SHORT-TERM> 12729 <LIABILITIES-OTHER> 2016 <LONG-TERM> 6501 <COMMON> 1354 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 32074 <TOTAL-LIABILITIES-AND-EQUITY> 313400 <INTEREST-LOAN> 10041 <INTEREST-INVEST> 2010 <INTEREST-OTHER> 133 <INTEREST-TOTAL> 12184 <INTEREST-DEPOSIT> 4871 <INTEREST-EXPENSE> 5376 <INTEREST-INCOME-NET> 6808 <LOAN-LOSSES> 122 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5631 <INCOME-PRETAX> 2857 <INCOME-PRE-EXTRAORDINARY> 2857 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2143 <EPS-PRIMARY> 1.66 <EPS-DILUTED> 1.64 <YIELD-ACTUAL> 8.15 <LOANS-NON> 1585 <LOANS-PAST> 460 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3138 <CHARGE-OFFS> 198 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 3379 <ALLOWANCE-DOMESTIC> 3379 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1979