<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 3,944,000 <INT-BEARING-DEPOSITS> 76,803,000 <FED-FUNDS-SOLD> 2,600,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 25,682,000 <INVESTMENTS-MARKET> 26,079,000 <LOANS> 57,605,000 <ALLOWANCE> 1,021,000 <TOTAL-ASSETS> 98,027,000 <DEPOSITS> 83,554,000 <SHORT-TERM> 344,000 <LIABILITIES-OTHER> 236,000 <LONG-TERM> 2,602,000 <COMMON> 7,314,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 98,027,000 <INTEREST-LOAN> 3,093,000 <INTEREST-INVEST> 846,000 <INTEREST-OTHER> 75,000 <INTEREST-TOTAL> 4,014,000 <INTEREST-DEPOSIT> 1,357,000 <INTEREST-EXPENSE> 1,497,000 <INTEREST-INCOME-NET> 2,517,000 <LOAN-LOSSES> 35,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,227,000 <INCOME-PRETAX> 707,000 <INCOME-PRE-EXTRAORDINARY> 707,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 478,000 <EPS-PRIMARY> .37 <EPS-DILUTED> .36 <YIELD-ACTUAL> .058 <LOANS-NON> 1,414,000 <LOANS-PAST> 12,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,127,000 <CHARGE-OFFS> 212,000 <RECOVERIES> 71,000 <ALLOWANCE-CLOSE> 1,021,000 <ALLOWANCE-DOMESTIC> 1,021,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0