<ARTICLE>  9
<MULTIPLIER> 1,000
       
                                 
<PERIOD-TYPE>                       6-MOS
<FISCAL-YEAR-END>                                      DEC-31-1995
<PERIOD-END>                                           JUN-30-1995
<CASH>                                                      11,550
<INT-BEARING-DEPOSITS>                                         126
<FED-FUNDS-SOLD>                                             9,300
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 34,831
<INVESTMENTS-CARRYING>                                      31,820
<INVESTMENTS-MARKET>                                        31,953
<LOANS>                                                    253,495      
<ALLOWANCE>                                                  3,000
<TOTAL-ASSETS>                                             348,066      
<DEPOSITS>                                                 303,787      
<SHORT-TERM>                                                     0      
<LIABILITIES-OTHER>                                          4,236 
<LONG-TERM>                                                 12,000
<COMMON>                                                     6,521
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0      
<OTHER-SE>                                                  21,522
<TOTAL-LIABILITIES-AND-EQUITY>                             348,066      
<INTEREST-LOAN>                                             11,516
<INTEREST-INVEST>                                            1,915
<INTEREST-OTHER>                                               289
<INTEREST-TOTAL>                                            13,720
<INTEREST-DEPOSIT>                                           6,035
<INTEREST-EXPENSE>                                           6,406
<INTEREST-INCOME-NET>                                        7,314
<LOAN-LOSSES>                                                  359
<SECURITIES-GAINS>                                              (5)     
<EXPENSE-OTHER>                                              6,489      
<INCOME-PRETAX>                                              2,813
<INCOME-PRE-EXTRAORDINARY>                                   2,813      
<EXTRAORDINARY>                                                  0      
<CHANGES>                                                        0
<NET-INCOME>                                                 1,896            
<EPS-PRIMARY>                                                 1.36                  
<EPS-DILUTED>                                                 1.36      
<YIELD-ACTUAL>                                                4.60
<LOANS-NON>                                                  1,991
<LOANS-PAST>                                                    77
<LOANS-TROUBLED>                                               802      
<LOANS-PROBLEM>                                              2,510                        
<ALLOWANCE-OPEN>                                             2,900
<CHARGE-OFFS>                                                  341            
<RECOVERIES>                                                    82      
<ALLOWANCE-CLOSE>                                            3,000
<ALLOWANCE-DOMESTIC>                                         1,769
<ALLOWANCE-FOREIGN>                                              0      
<ALLOWANCE-UNALLOCATED>                                      1,231