<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 2-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> JUN-30-1995 <CASH> 11,729 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 114,662 <INVESTMENTS-MARKET> 113,665 <LOANS> 322,136 <ALLOWANCE> 3,296 <TOTAL-ASSETS> 456,764 <DEPOSITS> 385,025 <SHORT-TERM> 19,549 <LIABILITIES-OTHER> 2,233 <LONG-TERM> 0 <COMMON> 13,290 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 36,667 <TOTAL-LIABILITIES-AND-EQUITY> 456,764 <INTEREST-LOAN> 12,609 <INTEREST-INVEST> 3,180 <INTEREST-OTHER> 12 <INTEREST-TOTAL> 15,801 <INTEREST-DEPOSIT> 6,389 <INTEREST-EXPENSE> 6,968 <INTEREST-INCOME-NET> 8,833 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,145 <INCOME-PRETAX> 4,464 <INCOME-PRE-EXTRAORDINARY> 4,464 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,011 <EPS-PRIMARY> .57 <EPS-DILUTED> .57 <YIELD-ACTUAL> 4.02 <LOANS-NON> 1,227 <LOANS-PAST> 1,599 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,370 <CHARGE-OFFS> 86 <RECOVERIES> 12 <ALLOWANCE-CLOSE> 3,296 <ALLOWANCE-DOMESTIC> 3,296 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0