[ARTICLE] 9

                             
[PERIOD-TYPE]                   6-MOS
[FISCAL-YEAR-END]                          DEC-31-1995
[PERIOD-END]                               JUN-30-1995
[CASH]                                          30,123
[INT-BEARING-DEPOSITS]                               0
[FED-FUNDS-SOLD]                                56,004
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                    147,172
[INVESTMENTS-CARRYING]                          98,883
[INVESTMENTS-MARKET]                            99,149
[LOANS]                                        384,340
[ALLOWANCE]                                      5,849
[TOTAL-ASSETS]                                 754,689
[DEPOSITS]                                     655,937
[SHORT-TERM]                                    17,158
[LIABILITIES-OTHER]                              4,938
[LONG-TERM]                                      8,900
[COMMON]                                        9,9975
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[OTHER-SE]                                      67,756
[TOTAL-LIABILITIES-AND-EQUITY]                 754,689
[INTEREST-LOAN]                                 17,979
[INTEREST-INVEST]                                6,528
[INTEREST-OTHER]                                   730
[INTEREST-TOTAL]                                25,237
[INTEREST-DEPOSIT]                              10,769
[INTEREST-EXPENSE]                                 596
[INTEREST-INCOME-NET]                           13,872
[LOAN-LOSSES]                                      315
[SECURITIES-GAINS]                               (153)
[EXPENSE-OTHER]                                  9,995
[INCOME-PRETAX]                                  4,190
[INCOME-PRE-EXTRAORDINARY]                       4,190
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                     4,190
[EPS-PRIMARY]                                      .84
[EPS-DILUTED]                                      .84
[YIELD-ACTUAL]                                     842
[LOANS-NON]                                      3,083
[LOANS-PAST]                                       294
[LOANS-TROUBLED]                                   781
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                 5,844
[CHARGE-OFFS]                                      521
[RECOVERIES]                                       211
[ALLOWANCE-CLOSE]                                5,849
[ALLOWANCE-DOMESTIC]                             5,849
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                              0