<ARTICLE> 9
<LEGEND>
This schedule contains Summary Financial Information extracted from Form 10-Q
dated 6/30/95 and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          19,370
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,832
<INVESTMENTS-CARRYING>                          36,672
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        207,062
<ALLOWANCE>                                      6,717
<TOTAL-ASSETS>                                 302,916
<DEPOSITS>                                     279,924
<SHORT-TERM>                                     6,770
<LIABILITIES-OTHER>                                859
<LONG-TERM>                                      1,374
<COMMON>                                           147
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      13,841
<TOTAL-LIABILITIES-AND-EQUITY>                 302,916
<INTEREST-LOAN>                                  9,286
<INTEREST-INVEST>                                1,936
<INTEREST-OTHER>                                   131
<INTEREST-TOTAL>                                11,354
<INTEREST-DEPOSIT>                               4,442
<INTEREST-EXPENSE>                               4,777
<INTEREST-INCOME-NET>                            6,576
<LOAN-LOSSES>                                    2,288
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  5,777
<INCOME-PRETAX>                                   (46)
<INCOME-PRE-EXTRAORDINARY>                        (46)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       434
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                     4.7
<LOANS-NON>                                      6,670
<LOANS-PAST>                                       186
<LOANS-TROUBLED>                                 2,824
<LOANS-PROBLEM>                                  3,645
<ALLOWANCE-OPEN>                                 6,827
<CHARGE-OFFS>                                    2,581
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                                6,717
<ALLOWANCE-DOMESTIC>                             6,717
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>not reported on a quarterly basis
</FN>