<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 4,044 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,725 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,671 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 38,601 <ALLOWANCE> 1,498 <TOTAL-ASSETS> 78,923 <DEPOSITS> 64,433 <SHORT-TERM> 0 <LIABILITIES-OTHER> 531 <LONG-TERM> 0 <COMMON> 7,708 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 3,512 <TOTAL-LIABILITIES-AND-EQUITY> 4,725 <INTEREST-LOAN> 1,093 <INTEREST-INVEST> 390 <INTEREST-OTHER> 41 <INTEREST-TOTAL> 1,524 <INTEREST-DEPOSIT> 0 <INTEREST-EXPENSE> 369 <INTEREST-INCOME-NET> 1,155 <LOAN-LOSSES> (182) <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 1,447 <INCOME-PRETAX> 68 <INCOME-PRE-EXTRAORDINARY> 68 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 66 <EPS-PRIMARY> 0.01 <EPS-DILUTED> 0.01 <YIELD-ACTUAL> 9.03 <LOANS-NON> 171 <LOANS-PAST> 2 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,633 <CHARGE-OFFS> 135 <RECOVERIES> 182 <ALLOWANCE-CLOSE> 1,498 <ALLOWANCE-DOMESTIC> 1,498 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0