<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 16,984,000 <INT-BEARING-DEPOSITS> 495,000 <FED-FUNDS-SOLD> 15,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,767,000 <INVESTMENTS-CARRYING> 16,390,000 <INVESTMENTS-MARKET> 16,041,000 <LOANS> 142,057,000 <ALLOWANCE> 2,848,000 <TOTAL-ASSETS> 218,012,000 <DEPOSITS> 196,182,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,642,000 <LONG-TERM> 4,575,000 <COMMON> 24,544,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 8,931,000 <TOTAL-LIABILITIES-AND-EQUITY> 218,012,000 <INTEREST-LOAN> 7,174,000 <INTEREST-INVEST> 729,000 <INTEREST-OTHER> 178,000 <INTEREST-TOTAL> 8,081,000 <INTEREST-DEPOSIT> 2,074,000 <INTEREST-EXPENSE> 2,318,000 <INTEREST-INCOME-NET> 5,763,000 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,123,000 <INCOME-PRETAX> 1,030,000 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,030,000 <EPS-PRIMARY> .46 <EPS-DILUTED> .46 <YIELD-ACTUAL> 7.09 <LOANS-NON> 2,704,000 <LOANS-PAST> 166,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,666,000 <CHARGE-OFFS> 819,000 <RECOVERIES> 198,000 <ALLOWANCE-CLOSE> 2,848,000 <ALLOWANCE-DOMESTIC> 2,848,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0