<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 40,353 <INT-BEARING-DEPOSITS> 2,318 <FED-FUNDS-SOLD> 6,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 66,547 <INVESTMENTS-CARRYING> 146,287 <INVESTMENTS-MARKET> 146,050 <LOANS> 394,431 <ALLOWANCE> 4,005 <TOTAL-ASSETS> 688,204 <DEPOSITS> 594,736 <SHORT-TERM> 3,500 <LIABILITIES-OTHER> 7,863 <LONG-TERM> 5,565 <COMMON> 21,008 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 55,532 <TOTAL-LIABILITIES-AND-EQUITY> 688,204 <INTEREST-LOAN> 17,514 <INTEREST-INVEST> 7,109 <INTEREST-OTHER> 224 <INTEREST-TOTAL> 24,847 <INTEREST-DEPOSIT> 9,044 <INTEREST-EXPENSE> 561 <INTEREST-INCOME-NET> 15,242 <LOAN-LOSSES> 343 <SECURITIES-GAINS> 29 <EXPENSE-OTHER> 13,825 <INCOME-PRETAX> 4,079 <INCOME-PRE-EXTRAORDINARY> 4,079 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,832 <EPS-PRIMARY> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 5.08 <LOANS-NON> 1,064 <LOANS-PAST> 547 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 171 <ALLOWANCE-OPEN> 3,865 <CHARGE-OFFS> 326 <RECOVERIES> 123 <ALLOWANCE-CLOSE> 4,005 <ALLOWANCE-DOMESTIC> 2,096 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,909