<ARTICLE> 9
<LEGEND>
This schedule contains Summary Financial Information extracted from Form 10-Q
dated 6/30/96 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-30-1996
<CASH>                                          22,193
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,627
<INVESTMENTS-CARRYING>                          23,835
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        213,071
<ALLOWANCE>                                      4,723
<TOTAL-ASSETS>                                 310,840
<DEPOSITS>                                     285,598
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                858
<LONG-TERM>                                      7,843
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            37
<OTHER-SE>                                      16,504
<TOTAL-LIABILITIES-AND-EQUITY>                 310,840
<INTEREST-LOAN>                                  4,483
<INTEREST-INVEST>                                  941
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                 5,463
<INTEREST-DEPOSIT>                               2,280
<INTEREST-EXPENSE>                               2,389
<INTEREST-INCOME-NET>                            3,074
<LOAN-LOSSES>                                      526
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,865
<INCOME-PRETAX>                                    536
<INCOME-PRE-EXTRAORDINARY>                         536
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       771
<EPS-PRIMARY>                                      .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    4.47
<LOANS-NON>                                      4,452
<LOANS-PAST>                                       156
<LOANS-TROUBLED>                                 1,622
<LOANS-PROBLEM>                                    826
<ALLOWANCE-OPEN>                                 5,164
<CHARGE-OFFS>                                    1,095
<RECOVERIES>                                       120
<ALLOWANCE-CLOSE>                                4,723
<ALLOWANCE-DOMESTIC>                             4,723
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>not reported on a quarterly basis
</FN>