<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-START>                             JAN-01-1995             JAN-01-1994
<PERIOD-END>                               JUN-30-1995             JUN-30-1994
<CASH>                                      13,949,437              15,223,830
<INT-BEARING-DEPOSITS>                     188,155,223             169,893,349
<FED-FUNDS-SOLD>                             7,400,000               3,300,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 48,525,550              54,537,725
<INVESTMENTS-CARRYING>                      50,438,481              45,598,639
<INVESTMENTS-MARKET>                        51,426,628              43,213,908
<LOANS>                                    154,167,879             141,458,341
<ALLOWANCE>                                  7,370,148               6,417,407
<TOTAL-ASSETS>                             283,554,859             271,060,757
<DEPOSITS>                                 251,534,717             235,474,507
<SHORT-TERM>                                12,161,109              17,979,602
<LIABILITIES-OTHER>                            537,389                 954,004
<LONG-TERM>                                          0                       0
<COMMON>                                     5,523,735               5,523,735
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                  13,797,909              11,128,909
<TOTAL-LIABILITIES-AND-EQUITY>             283,554,859             271,060,757
<INTEREST-LOAN>                              7,080,097               5,834,773
<INTEREST-INVEST>                            3,279,229               2,250,634
<INTEREST-OTHER>                                84,824                  72,332
<INTEREST-TOTAL>                            10,444,150               8,157,739
<INTEREST-DEPOSIT>                           3,364,712               2,332,058
<INTEREST-EXPENSE>                           3,664,663               2,462,360
<INTEREST-INCOME-NET>                        6,779,487               5,695,379
<LOAN-LOSSES>                                  975,000               1,149,605
<SECURITIES-GAINS>                                 781                  75,062
<EXPENSE-OTHER>                              6,841,040               6,670,962
<INCOME-PRETAX>                                922,211                (419,271)
<INCOME-PRE-EXTRAORDINARY>                     922,211                (419,271)
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   589,611                (315,671)
<EPS-PRIMARY>                                      .53                    (.29)
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0