<TABLE> <S> <C>


<ARTICLE>                                          9
<MULTIPLIER>                                      1,000
                                                    
<S>                                                <C>
<PERIOD-TYPE>                                             6-mos
<FISCAL-YEAR-END>                                   Dec-31-1995
<PERIOD-END>                                        Jun-30-1996
<CASH>                                                   16,262 
<INT-BEARING-DEPOSITS>                                  241,954 
<FED-FUNDS-SOLD>                                          9,097 
<TRADING-ASSETS>                                              0 
<INVESTMENTS-HELD-FOR-SALE>                                   0 
<INVESTMENTS-CARRYING>                                   77,264 
<INVESTMENTS-MARKET>                                     78,007 
<LOANS>                                                 215,722 
<ALLOWANCE>                                               4,454 
<TOTAL-ASSETS>                                          336,760 
<DEPOSITS>                                              296,248 
<SHORT-TERM>                                              6,940 
<LIABILITIES-OTHER>                                       2,204 
<LONG-TERM>                                                   0 
<PREFERRED-MANDATORY>                                         0 
<PREFERRED>                                                   0 
<COMMON>                                                    308 
<OTHER-SE>                                               31,060 
<TOTAL-LIABILITIES-AND-EQUITY>                          336,760 
<INTEREST-LOAN>                                          10,524 
<INTEREST-INVEST>                                         2,247 
<INTEREST-OTHER>                                            207 
<INTEREST-TOTAL>                                         12,978 
<INTEREST-DEPOSIT>                                        4,693 
<INTEREST-EXPENSE>                                        4,739 
<INTEREST-INCOME-NET>                                     8,239 
<LOAN-LOSSES>                                             1,034 
<SECURITIES-GAINS>                                          (5) 
<EXPENSE-OTHER>                                           5,567 
<INCOME-PRETAX>                                           2,744 
<INCOME-PRE-EXTRAORDINARY>                                2,744 
<EXTRAORDINARY>                                               0 
<CHANGES>                                                     0 
<NET-INCOME>                                              1,866 
<EPS-PRIMARY>                                              0.61 
<EPS-DILUTED>                                              0.61 
<YIELD-ACTUAL>                                             8.29 
<LOANS-NON>                                               4,625 
<LOANS-PAST>                                                160 
<LOANS-TROUBLED>                                              0 
<LOANS-PROBLEM>                                          10,096 
<ALLOWANCE-OPEN>                                          4,446 
<CHARGE-OFFS>                                             1,098 
<RECOVERIES>                                                 73 
<ALLOWANCE-CLOSE>                                         4,454 
<ALLOWANCE-DOMESTIC>                                      4,454 
<ALLOWANCE-FOREIGN>                                           0 
<ALLOWANCE-UNALLOCATED>                                       0 
        
                                                   

</TABLE>