<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                           4,213
<INT-BEARING-DEPOSITS>                           3,079
<FED-FUNDS-SOLD>                                 3,643
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,820
<INVESTMENTS-CARRYING>                           5,117
<INVESTMENTS-MARKET>                             5,104
<LOANS>                                         74,021
<ALLOWANCE>                                      1,182
<TOTAL-ASSETS>                                 137,698
<DEPOSITS>                                     120,336
<SHORT-TERM>                                     4,886
<LIABILITIES-OTHER>                                550
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,876
<OTHER-SE>                                       8,050
<TOTAL-LIABILITIES-AND-EQUITY>                 137,698
<INTEREST-LOAN>                                  3,301
<INTEREST-INVEST>                                1,356
<INTEREST-OTHER>                                   189
<INTEREST-TOTAL>                                 4,846
<INTEREST-DEPOSIT>                               1,838
<INTEREST-EXPENSE>                               1,875
<INTEREST-INCOME-NET>                            2,971
<LOAN-LOSSES>                                       29
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  2,048
<INCOME-PRETAX>                                  1,164
<INCOME-PRE-EXTRAORDINARY>                       1,164
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       780
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    4.93
<LOANS-NON>                                        273
<LOANS-PAST>                                       816
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,149
<CHARGE-OFFS>                                       11
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,182
<ALLOWANCE-DOMESTIC>                             1,151
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             31