<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SECOND QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             APR-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           5,627
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   170
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,893
<INVESTMENTS-CARRYING>                          51,869
<INVESTMENTS-MARKET>                            52,208
<LOANS>                                        123,791
<ALLOWANCE>                                      2,084
<TOTAL-ASSETS>                                 202,028
<DEPOSITS>                                     179,606
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                980
<LONG-TERM>                                          0
<COMMON>                                         4,285
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      17,157
<TOTAL-LIABILITIES-AND-EQUITY>                 202,028
<INTEREST-LOAN>                                  5,690
<INTEREST-INVEST>                                2,000
<INTEREST-OTHER>                                    95
<INTEREST-TOTAL>                                 7,785
<INTEREST-DEPOSIT>                               3,185
<INTEREST-EXPENSE>                               3,187
<INTEREST-INCOME-NET>                            4,598
<LOAN-LOSSES>                                      140
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  3,182
<INCOME-PRETAX>                                  2,095
<INCOME-PRE-EXTRAORDINARY>                       2,095
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,618
<EPS-PRIMARY>                                      .94
<EPS-DILUTED>                                      .94
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        420
<LOANS-PAST>                                       278
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,006
<CHARGE-OFFS>                                       98
<RECOVERIES>                                        36
<ALLOWANCE-CLOSE>                                2,084
<ALLOWANCE-DOMESTIC>                               780
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,304