<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                     871,985
<INT-BEARING-DEPOSITS>                     0
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<TRADING-ASSETS>                           0
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<INVESTMENTS-MARKET>                       647,859
<LOANS>                                    21,907,951
<ALLOWANCE>                                434,020
<TOTAL-ASSETS>                             29,841,160
<DEPOSITS>                                 27,416,565
<SHORT-TERM>                               0
<LIABILITIES-OTHER>                        23,497
<LONG-TERM>                                18,000
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<TOTAL-LIABILITIES-AND-EQUITY>             29,841,160
<INTEREST-LOAN>                            1,036,511
<INTEREST-INVEST>                          63,396
<INTEREST-OTHER>                           59,853
<INTEREST-TOTAL>                           1,159,760
<INTEREST-DEPOSIT>                         716,825
<INTEREST-EXPENSE>                         727,592
<INTEREST-INCOME-NET>                      432,167
<LOAN-LOSSES>                              (13,206)
<SECURITIES-GAINS>                         0
<EXPENSE-OTHER>                            610,490
<INCOME-PRETAX>                            46,873
<INCOME-PRE-EXTRAORDINARY>                 26,831
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<ALLOWANCE-CLOSE>                          434,020
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<ALLOWANCE-FOREIGN>                        0
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