<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 4155 <INT-BEARING-DEPOSITS> 889 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 4427 <INVESTMENTS-MARKET> 4445 <LOANS> 42272 <ALLOWANCE> 789 <TOTAL-ASSETS> 54261 <DEPOSITS> 53003 <SHORT-TERM> 675 <LIABILITIES-OTHER> 762 <LONG-TERM> 1219 <COMMON> 2951 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (4349) <TOTAL-LIABILITIES-AND-EQUITY> 54261 <INTEREST-LOAN> 2107 <INTEREST-INVEST> 215 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 2322 <INTEREST-DEPOSIT> 826 <INTEREST-EXPENSE> 936 <INTEREST-INCOME-NET> 1386 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2000 <INCOME-PRETAX> (450) <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (450) <EPS-PRIMARY> (.80) <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.5 <LOANS-NON> 2330 <LOANS-PAST> 62 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 821 <CHARGE-OFFS> 183 <RECOVERIES> 51 <ALLOWANCE-CLOSE> 789 <ALLOWANCE-DOMESTIC> 596 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 193