<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
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<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                  2,848,000
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<LOAN-LOSSES>                                        0
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<EPS-PRIMARY>                                      .46
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