<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1995 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           2,252
<INT-BEARING-DEPOSITS>                           1,517
<FED-FUNDS-SOLD>                                   805
<TRADING-ASSETS>                                   831
<INVESTMENTS-HELD-FOR-SALE>                      3,011
<INVESTMENTS-CARRYING>                           1,821
<INVESTMENTS-MARKET>                             1,841
<LOANS>                                         31,388
<ALLOWANCE>                                      (692)
<TOTAL-ASSETS>                                  45,254
<DEPOSITS>                                      29,121
<SHORT-TERM>                                     9,045
<LIABILITIES-OTHER>                              1,513
<LONG-TERM>                                      2,110
<COMMON>                                           251
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        508
<OTHER-SE>                                       2,706
<TOTAL-LIABILITIES-AND-EQUITY>                  45,254
<INTEREST-LOAN>                                  1,554
<INTEREST-INVEST>                                  162
<INTEREST-OTHER>                                   421
<INTEREST-TOTAL>                                 2,137
<INTEREST-DEPOSIT>                                 777
<INTEREST-EXPENSE>                               1,277
<INTEREST-INCOME-NET>                              860
<LOAN-LOSSES>                                      130
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                    214
<INCOME-PRETAX>                                    484
<INCOME-PRE-EXTRAORDINARY>                         259
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       259
<EPS-PRIMARY>                                     2.19
<EPS-DILUTED>                                     2.14
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                        339
<LOANS-PAST>                                         7
<LOANS-TROUBLED>                                    29
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   680
<CHARGE-OFFS>                                    (112)
<RECOVERIES>                                        26
<ALLOWANCE-CLOSE>                                  692
<ALLOWANCE-DOMESTIC>                               422
<ALLOWANCE-FOREIGN>                                162
<ALLOWANCE-UNALLOCATED>                            108