<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 23,391 <INT-BEARING-DEPOSITS> 409,250 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 69,003 <INVESTMENTS-CARRYING> 136,996 <INVESTMENTS-MARKET> 134,688 <LOANS> 308,699 <ALLOWANCE> 5,609 <TOTAL-ASSETS> 564,718 <DEPOSITS> 487,809 <SHORT-TERM> 0 <LIABILITIES-OTHER> 10,907 <LONG-TERM> 16,479 <COMMON> 49,523 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 564,718 <INTEREST-LOAN> 16,281 <INTEREST-INVEST> 6,322 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 22,603 <INTEREST-DEPOSIT> 7,861 <INTEREST-EXPENSE> 8,814 <INTEREST-INCOME-NET> 13,789 <LOAN-LOSSES> 75 <SECURITIES-GAINS> (10) <EXPENSE-OTHER> 11,027 <INCOME-PRETAX> 5,757 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,394 <EPS-PRIMARY> 0.86 <EPS-DILUTED> 0.86 <YIELD-ACTUAL> 5.28 <LOANS-NON> 3,270 <LOANS-PAST> 20 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,608 <CHARGE-OFFS> 173 <RECOVERIES> 99 <ALLOWANCE-CLOSE> 5,609 <ALLOWANCE-DOMESTIC> 5,609 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0