<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 6,659 <INT-BEARING-DEPOSITS> 59,451 <FED-FUNDS-SOLD> 10,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,236 <INVESTMENTS-CARRYING> 23,361 <INVESTMENTS-MARKET> 23,267 <LOANS> 52,509 <ALLOWANCE> 778 <TOTAL-ASSETS> 95,632 <DEPOSITS> 85,212 <SHORT-TERM> 1,067 <LIABILITIES-OTHER> 827 <LONG-TERM> 0 <COMMON> 3,696 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 95,632 <INTEREST-LOAN> 2,804 <INTEREST-INVEST> 828 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,632 <INTEREST-DEPOSIT> 1,109 <INTEREST-EXPENSE> 1,130 <INTEREST-INCOME-NET> 2,502 <LOAN-LOSSES> (50) <SECURITIES-GAINS> (35) <EXPENSE-OTHER> 2,220 <INCOME-PRETAX> 716 <INCOME-PRE-EXTRAORDINARY> 716 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 440 <EPS-PRIMARY> 0.41 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 6.36 <LOANS-NON> 40 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 40 <ALLOWANCE-OPEN> 756 <CHARGE-OFFS> 2 <RECOVERIES> 74 <ALLOWANCE-CLOSE> 778 <ALLOWANCE-DOMESTIC> 778 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 300