<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-3O-1995 <CASH> 18367 <INT-BEARING-DEPOSITS> 362697 <FED-FUNDS-SOLD> 1700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 64828 <INVESTMENTS-CARRYING> 19762 <INVESTMENTS-MARKET> 19297 <LOANS> 349777 <ALLOWANCE> 2203 <TOTAL-ASSETS> 467248 <DEPOSITS> 409678 <SHORT-TERM> 300 <LIABILITIES-OTHER> 3696 <LONG-TERM> 0 <COMMON> 62 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 53512 <TOTAL-LIABILITIES-AND-EQUITY> 467248 <INTEREST-LOAN> 15355 <INTEREST-INVEST> 2626 <INTEREST-OTHER> 86 <INTEREST-TOTAL> 18067 <INTEREST-DEPOSIT> 6859 <INTEREST-EXPENSE> 6953 <INTEREST-INCOME-NET> 11114 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (19) <EXPENSE-OTHER> 9456 <INCOME-PRETAX> 3594 <INCOME-PRE-EXTRAORDINARY> 2429 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2429 <EPS-PRIMARY> .39 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.20 <LOANS-NON> 1033 <LOANS-PAST> 3456 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 222 <RECOVERIES> 75 <ALLOWANCE-CLOSE> 2203 <ALLOWANCE-DOMESTIC> 2203 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0