<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 18,277 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 7,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 52,980 <INVESTMENTS-MARKET> 52,249 <LOANS> 567,266 <ALLOWANCE> 20,690 <TOTAL-ASSETS> 705,097 <DEPOSITS> 670,019 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,901 <LONG-TERM> 0 <COMMON> 2,599 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 26,578 <TOTAL-LIABILITIES-AND-EQUITY> 705,097 <INTEREST-LOAN> 22,725 <INTEREST-INVEST> 3,207 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 25,932 <INTEREST-DEPOSIT> 15,815 <INTEREST-EXPENSE> 16,400 <INTEREST-INCOME-NET> 9,532 <LOAN-LOSSES> 12,745 <SECURITIES-GAINS> 3,049 <EXPENSE-OTHER> 10,039 <INCOME-PRETAX> (9,679) <INCOME-PRE-EXTRAORDINARY> (9,679) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (10,264) <EPS-PRIMARY> (3.94) <EPS-DILUTED> 0 <YIELD-ACTUAL> 23,222 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21,461 <CHARGE-OFFS> 4,066 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 20,690 <ALLOWANCE-DOMESTIC> 20,690 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0