<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> JUN-30-1995 <CASH> 10,617,796 <INT-BEARING-DEPOSITS> 102,647 <FED-FUNDS-SOLD> 9,770,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,498,751 <INVESTMENTS-CARRYING> 9,731,338 <INVESTMENTS-MARKET> 9,779,000 <LOANS> 52,408,426 <ALLOWANCE> (1,537,508) <TOTAL-ASSETS> 84,774,751 <DEPOSITS> 76,597,107 <SHORT-TERM> 0 <LIABILITIES-OTHER> 679,976 <LONG-TERM> 0 <COMMON> 3,998,809 <PREFERRED-MANDATORY> 0 <PREFERRED> 50,000 <OTHER-SE> 3,448,859 <TOTAL-LIABILITIES-AND-EQUITY> 84,774,751 <INTEREST-LOAN> 3,078,465 <INTEREST-INVEST> 292,864 <INTEREST-OTHER> 220,917 <INTEREST-TOTAL> 3,592,246 <INTEREST-DEPOSIT> 1,033,668 <INTEREST-EXPENSE> 1,033,668 <INTEREST-INCOME-NET> 2,558,578 <LOAN-LOSSES> 80,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,769,532 <INCOME-PRETAX> 923,139 <INCOME-PRE-EXTRAORDINARY> 543,139 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 543,149 <EPS-PRIMARY> .61 <EPS-DILUTED> .61 <YIELD-ACTUAL> 7.49 <LOANS-NON> 225,110 <LOANS-PAST> 264,531 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,505,355 <CHARGE-OFFS> 56,779 <RECOVERIES> 8,933 <ALLOWANCE-CLOSE> 1,537,508 <ALLOWANCE-DOMESTIC> 1,537,508 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0