<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> APR-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 36,878 <INT-BEARING-DEPOSITS> 292,655 <FED-FUNDS-SOLD> 4,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 69,880 <INVESTMENTS-CARRYING> 56,644 <INVESTMENTS-MARKET> 54,819 <LOANS> 286,569 <ALLOWANCE> (5,584) <TOTAL-ASSETS> 480,178 <DEPOSITS> 427,038 <SHORT-TERM> 5,832 <LIABILITIES-OTHER> 2,172 <LONG-TERM> 0 <COMMON> 37,643 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 7,493 <TOTAL-LIABILITIES-AND-EQUITY> 480,178 <INTEREST-LOAN> 11,700 <INTEREST-INVEST> 3,442 <INTEREST-OTHER> 639 <INTEREST-TOTAL> 15,781 <INTEREST-DEPOSIT> 5,229 <INTEREST-EXPENSE> 6,033 <INTEREST-INCOME-NET> 9,748 <LOAN-LOSSES> 324 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,399 <INCOME-PRETAX> 1,138 <INCOME-PRE-EXTRAORDINARY> 1,138 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 775 <EPS-PRIMARY> .10 <EPS-DILUTED> .10 <YIELD-ACTUAL> 8.18 <LOANS-NON> 2,000 <LOANS-PAST> 1,240 <LOANS-TROUBLED> 1,500 <LOANS-PROBLEM> 4,200 <ALLOWANCE-OPEN> 5,584 <CHARGE-OFFS> 1,192 <RECOVERIES> 517 <ALLOWANCE-CLOSE> 5,584 <ALLOWANCE-DOMESTIC> 5,584 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0