<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 25,187 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,216 <INVESTMENTS-CARRYING> 2,589 <INVESTMENTS-MARKET> 2,636 <LOANS> 171,343 <ALLOWANCE> 5,562 <TOTAL-ASSETS> 309,345 <DEPOSITS> 268,050 <SHORT-TERM> 6,721 <LIABILITIES-OTHER> 3,248 <LONG-TERM> 0 <COMMON> 17,479 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 13,847 <TOTAL-LIABILITIES-AND-EQUITY> 31,326 <INTEREST-LOAN> 8,460 <INTEREST-INVEST> 2,580 <INTEREST-OTHER> 527 <INTEREST-TOTAL> 11,567 <INTEREST-DEPOSIT> 2,475 <INTEREST-EXPENSE> 2,605 <INTEREST-INCOME-NET> 8,962 <LOAN-LOSSES> 603 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 7,133 <INCOME-PRETAX> 3,264 <INCOME-PRE-EXTRAORDINARY> 3,264 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,917 <EPS-PRIMARY> 0.70 <EPS-DILUTED> 0.70 <YIELD-ACTUAL> 8.74 <LOANS-NON> 2,004 <LOANS-PAST> 12 <LOANS-TROUBLED> 5,973 <LOANS-PROBLEM> 1,784 <ALLOWANCE-OPEN> 5,564 <CHARGE-OFFS> 903 <RECOVERIES> 298 <ALLOWANCE-CLOSE> 5,562 <ALLOWANCE-DOMESTIC> 5,562 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0