<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> 18,702 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 21,650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,768 <INVESTMENTS-CARRYING> 11,454 <INVESTMENTS-MARKET> 11,456 <LOANS> 119,242 <ALLOWANCE> 3,004 <TOTAL-ASSETS> 191,637 <DEPOSITS> 176,584 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,101 <LONG-TERM> 0 <COMMON> 13,258 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 694 <TOTAL-LIABILITIES-AND-EQUITY> 13,952 <INTEREST-LOAN> 5,490 <INTEREST-INVEST> 981 <INTEREST-OTHER> 195 <INTEREST-TOTAL> 6,666 <INTEREST-DEPOSIT> 1,232 <INTEREST-EXPENSE> 1,273 <INTEREST-INCOME-NET> 5,393 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 54 <EXPENSE-OTHER> 4,835 <INCOME-PRETAX> 1,075 <INCOME-PRE-EXTRAORDINARY> 1,075 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 641 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 4,675 <LOANS-PAST> 14 <LOANS-TROUBLED> 7,135 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,224 <CHARGE-OFFS> 279 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 3,004 <ALLOWANCE-DOMESTIC> 3,004 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0