<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