<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