<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 9,151 <INT-BEARING-DEPOSITS> 18 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,328 <INVESTMENTS-CARRYING> 28,461 <INVESTMENTS-MARKET> 29,806 <LOANS> 187,263 <ALLOWANCE> 2,242 <TOTAL-ASSETS> 277,877 <DEPOSITS> 230,323 <SHORT-TERM> 7,656 <LIABILITIES-OTHER> 1,386 <LONG-TERM> 2,436 <COMMON> 6,912 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 29,164 <TOTAL-LIABILITIES-AND-EQUITY> 277,877 <INTEREST-LOAN> 8,110 <INTEREST-INVEST> 2,170 <INTEREST-OTHER> 32 <INTEREST-TOTAL> 10,312 <INTEREST-DEPOSIT> 4,097 <INTEREST-EXPENSE> 118 <INTEREST-INCOME-NET> 6,097 <LOAN-LOSSES> 250 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 4,390 <INCOME-PRETAX> 2,390 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,786 <EPS-PRIMARY> 1.04 <EPS-DILUTED> 1.04 <YIELD-ACTUAL> 8.02 <LOANS-NON> 793 <LOANS-PAST> 4,339 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,033 <CHARGE-OFFS> 97 <RECOVERIES> 57 <ALLOWANCE-CLOSE> 2,242 <ALLOWANCE-DOMESTIC> 2,242 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0