<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SECOND QUARTER 1995 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          34,661
<INT-BEARING-DEPOSITS>                              27
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,854
<INVESTMENTS-CARRYING>                          10,062
<INVESTMENTS-MARKET>                            10,138
<LOANS>                                        479,960
<ALLOWANCE>                                   (17,256)
<TOTAL-ASSETS>                                 627,154
<DEPOSITS>                                     549,599
<SHORT-TERM>                                     8,614
<LIABILITIES-OTHER>                              7,418
<LONG-TERM>                                     21,827
<COMMON>                                            43
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      39,652
<TOTAL-LIABILITIES-AND-EQUITY>                 627,154
<INTEREST-LOAN>                                 22,498
<INTEREST-INVEST>                                2,408
<INTEREST-OTHER>                                   112
<INTEREST-TOTAL>                                25,018
<INTEREST-DEPOSIT>                               9,724
<INTEREST-EXPENSE>                              12,519
<INTEREST-INCOME-NET>                           12,499
<LOAN-LOSSES>                                   10,300
<SECURITIES-GAINS>                                 337
<EXPENSE-OTHER>                                 15,172
<INCOME-PRETAX>                                (7,272)
<INCOME-PRE-EXTRAORDINARY>                     (7,272)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (4,013)
<EPS-PRIMARY>                                    (.94)
<EPS-DILUTED>                                    (.94)
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                     41,134
<LOANS-PAST>                                       545
<LOANS-TROUBLED>                                 2,673
<LOANS-PROBLEM>                                  7,992
<ALLOWANCE-OPEN>                                19,929
<CHARGE-OFFS>                                 (14,267)
<RECOVERIES>                                     1,294
<ALLOWANCE-CLOSE>                               17,256
<ALLOWANCE-DOMESTIC>                            17,256
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0