<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