<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