<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