<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                       4,292,518
<INT-BEARING-DEPOSITS>                       5,475,410
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               783,784
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      80,376,044
<INVESTMENTS-MARKET>                        80,802,492
<LOANS>                                    215,854,805
<ALLOWANCE>                                    882,800
<TOTAL-ASSETS>                             312,157,887
<DEPOSITS>                                 256,344,312
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          7,577,355
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,813
<OTHER-SE>                                  48,201,406
<TOTAL-LIABILITIES-AND-EQUITY>             312,157,887
<INTEREST-LOAN>                              9,148,852
<INTEREST-INVEST>                            2,435,443
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            11,584,295
<INTEREST-DEPOSIT>                           6,125,778
<INTEREST-EXPENSE>                           6,125,778
<INTEREST-INCOME-NET>                        5,458,517
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                             (64,733)
<EXPENSE-OTHER>                              2,625,254
<INCOME-PRETAX>                              3,148,845
<INCOME-PRE-EXTRAORDINARY>                   3,148,845
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,027,445
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                    931,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               882,800
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              882,800
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        882,800