<ARTICLE> 9
<LEGEND>
At June 30, 1995, and for the six month period ended June 30, 1995:
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-30-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           34017
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 26665
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     104680
<INVESTMENTS-CARRYING>                          131487
<INVESTMENTS-MARKET>                            134501
<LOANS>                                         364147
<ALLOWANCE>                                       3947
<TOTAL-ASSETS>                                  687279
<DEPOSITS>                                      621884
<SHORT-TERM>                                      2750
<LIABILITIES-OTHER>                               3507
<LONG-TERM>                                          0
<COMMON>                                           428
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       58710
<TOTAL-LIABILITIES-AND-EQUITY>                  687279
<INTEREST-LOAN>                                  13966
<INTEREST-INVEST>                                 7880
<INTEREST-OTHER>                                  1399
<INTEREST-TOTAL>                                 23245
<INTEREST-DEPOSIT>                                9675
<INTEREST-EXPENSE>                                9936
<INTEREST-INCOME-NET>                            13309
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                  11972
<INCOME-PRETAX>                                   4809
<INCOME-PRE-EXTRAORDINARY>                        3177
<EXTRAORDINARY>                                      0
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<NET-INCOME>                                      3177
<EPS-PRIMARY>                                      .77
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    7.61
<LOANS-NON>                                       4457
<LOANS-PAST>                                       659
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3373
<CHARGE-OFFS>                                      219
<RECOVERIES>                                       237
<ALLOWANCE-CLOSE>                                 3947
<ALLOWANCE-DOMESTIC>                              3947
<ALLOWANCE-FOREIGN>                                  0
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