<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q FOR PERIOD ENDED JUNE 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 12,730 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 19,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,495 <INVESTMENTS-CARRYING> 55,362 <INVESTMENTS-MARKET> 55,631 <LOANS> 142,370 <ALLOWANCE> 2,454 <TOTAL-ASSETS> 243,579 <DEPOSITS> 215,151 <SHORT-TERM> 8,654 <LIABILITIES-OTHER> 2,152 <LONG-TERM> 0 <COMMON> 15,190 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 2,432 <TOTAL-LIABILITIES-AND-EQUITY> 243,579 <INTEREST-LOAN> 7,820 <INTEREST-INVEST> 1,873 <INTEREST-OTHER> 137 <INTEREST-TOTAL> 9,830 <INTEREST-DEPOSIT> 2,991 <INTEREST-EXPENSE> 3,646 <INTEREST-INCOME-NET> 6,184 <LOAN-LOSSES> 516 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,528 <INCOME-PRETAX> (959) <INCOME-PRE-EXTRAORDINARY> (548) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (548) <EPS-PRIMARY> (0.33) <EPS-DILUTED> (0.33) <YIELD-ACTUAL> 5.97 <LOANS-NON> 2,426 <LOANS-PAST> 1,166 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,918 <CHARGE-OFFS> 1,005 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 2,454 <ALLOWANCE-DOMESTIC> 2,454 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0