<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>                                           5,921
<INT-BEARING-DEPOSITS>                           4,356
<FED-FUNDS-SOLD>                                10,925
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        181
<INVESTMENTS-CARRYING>                             745
<INVESTMENTS-MARKET>                               747
<LOANS>                                         68,033
<ALLOWANCE>                                      1,168
<TOTAL-ASSETS>                                  93,086
<DEPOSITS>                                      85,879
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                338
<LONG-TERM>                                          0
<COMMON>                                         6,915
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        (46)
<TOTAL-LIABILITIES-AND-EQUITY>                  93,086
<INTEREST-LOAN>                                  3,538
<INTEREST-INVEST>                                  430
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,968
<INTEREST-DEPOSIT>                               1,183
<INTEREST-EXPENSE>                               1,183
<INTEREST-INCOME-NET>                            2,785
<LOAN-LOSSES>                                      124
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,108
<INCOME-PRETAX>                                    908
<INCOME-PRE-EXTRAORDINARY>                         908
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       523
<EPS-PRIMARY>                                      .69
<EPS-DILUTED>                                      .60
<YIELD-ACTUAL>                                   10.40
<LOANS-NON>                                        592
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,067
<ALLOWANCE-OPEN>                                 1,050
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,168
<ALLOWANCE-DOMESTIC>                             1,168
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            100