<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                       3,984,000
<INT-BEARING-DEPOSITS>                       5,249,000
<FED-FUNDS-SOLD>                            34,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  6,926,000
<INVESTMENTS-CARRYING>                       6,926,000
<INVESTMENTS-MARKET>                         6,946,000
<LOANS>                                     79,147,000
<ALLOWANCE>                                  1,797,000
<TOTAL-ASSETS>                             131,072,000
<DEPOSITS>                                 119,413,000
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                            559,000
<LONG-TERM>                                          0
<COMMON>                                    11,332,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                    (234,000)
<TOTAL-LIABILITIES-AND-EQUITY>             131,072,000
<INTEREST-LOAN>                              4,432,000
<INTEREST-INVEST>                              543,000
<INTEREST-OTHER>                               512,000
<INTEREST-TOTAL>                             5,487,000
<INTEREST-DEPOSIT>                           1,270,000
<INTEREST-EXPENSE>                           1,270,000
<INTEREST-INCOME-NET>                        4,217,000
<LOAN-LOSSES>                                  375,000
<SECURITIES-GAINS>                              11,000
<EXPENSE-OTHER>                              3,130,000
<INCOME-PRETAX>                                956,000
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   850,000
<EPS-PRIMARY>                                     0.35
<EPS-DILUTED>                                     0.35
<YIELD-ACTUAL>                                   0.079
<LOANS-NON>                                    897,000
<LOANS-PAST>                                 2,105,000
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                             1,391,000
<CHARGE-OFFS>                                   45,000
<RECOVERIES>                                    76,000
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<ALLOWANCE-DOMESTIC>                         1,797,000
<ALLOWANCE-FOREIGN>                                  0
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