<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> 10,862 <INT-BEARING-DEPOSITS> 661 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 81,415 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 215,447 <ALLOWANCE> (2,270) <TOTAL-ASSETS> 331,806 <DEPOSITS> 243,113 <SHORT-TERM> 43,132 <LIABILITIES-OTHER> 6,543 <LONG-TERM> 1,054 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 582 <OTHER-SE> 37,694 <TOTAL-LIABILITIES-AND-EQUITY> 331,806 <INTEREST-LOAN> 4,474 <INTEREST-INVEST> 1,433 <INTEREST-OTHER> 57 <INTEREST-TOTAL> 5,964 <INTEREST-DEPOSIT> 2,283 <INTEREST-EXPENSE> 2,931 <INTEREST-INCOME-NET> 3,033 <LOAN-LOSSES> 650 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,806 <INCOME-PRETAX> 666 <INCOME-PRE-EXTRAORDINARY> 666 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 440 <EPS-PRIMARY> .01 <EPS-DILUTED> .01 <YIELD-ACTUAL> 8.05 <LOANS-NON> 507 <LOANS-PAST> 501 <LOANS-TROUBLED> 1,009 <LOANS-PROBLEM> 3,088 <ALLOWANCE-OPEN> 2,756 <CHARGE-OFFS> (1,872) <RECOVERIES> 286 <ALLOWANCE-CLOSE> 2,270 <ALLOWANCE-DOMESTIC> 2,270 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0