<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