<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 6,248 <INT-BEARING-DEPOSITS> 801 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,491 <INVESTMENTS-CARRYING> 49,223 <INVESTMENTS-MARKET> 49,897 <LOANS> 154,677 <ALLOWANCE> 1,781 <TOTAL-ASSETS> 234,883 <DEPOSITS> 205,678 <SHORT-TERM> 4,190 <LIABILITIES-OTHER> 3,025 <LONG-TERM> 1,874 <COMMON> 1,347 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 18,769 <TOTAL-LIABILITIES-AND-EQUITY> 234,883 <INTEREST-LOAN> 7,215 <INTEREST-INVEST> 2,165 <INTEREST-OTHER> 25 <INTEREST-TOTAL> 9,405 <INTEREST-DEPOSIT> 4,447 <INTEREST-EXPENSE> 4,749 <INTEREST-INCOME-NET> 4,656 <LOAN-LOSSES> 88 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 3,442 <INCOME-PRETAX> 1,751 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,255 <EPS-PRIMARY> .93 <EPS-DILUTED> .93 <YIELD-ACTUAL> 4.33 <LOANS-NON> 1,451 <LOANS-PAST> 82 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,721 <CHARGE-OFFS> 36 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,781 <ALLOWANCE-DOMESTIC> 1,781 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0