<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS FOR THE PERIOD ENDED JUNE 30, 1995 AS PRESENTED IN ITS SECOND QUARTER FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 24,911 <INT-BEARING-DEPOSITS> 221 <FED-FUNDS-SOLD> 10,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 157,711 <INVESTMENTS-CARRYING> 16,010 <INVESTMENTS-MARKET> 16,065 <LOANS> 252,905 <ALLOWANCE> 3,883 <TOTAL-ASSETS> 487,862 <DEPOSITS> 420,532 <SHORT-TERM> 9,419 <LIABILITIES-OTHER> 7,578 <LONG-TERM> 0 <COMMON> 10,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 39,583 <TOTAL-LIABILITIES-AND-EQUITY> 487,862 <INTEREST-LOAN> 11,502 <INTEREST-INVEST> 5,976 <INTEREST-OTHER> 328 <INTEREST-TOTAL> 17,806 <INTEREST-DEPOSIT> 6,669 <INTEREST-EXPENSE> 7,088 <INTEREST-INCOME-NET> 10,718 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 325 <EXPENSE-OTHER> 9,580 <INCOME-PRETAX> 3,986 <INCOME-PRE-EXTRAORDINARY> 2,659 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,659 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.27 <YIELD-ACTUAL> 4.84 <LOANS-NON> 987 <LOANS-PAST> 525 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,600 <CHARGE-OFFS> 176 <RECOVERIES> 60 <ALLOWANCE-CLOSE> 3,883 <ALLOWANCE-DOMESTIC> 566 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,317