<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 <INCOME-PRE-EXTRAORDINARY> 956,000 <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 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,391,000 <CHARGE-OFFS> 45,000 <RECOVERIES> 76,000 <ALLOWANCE-CLOSE> 1,797,000 <ALLOWANCE-DOMESTIC> 1,797,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0