
<TABLE> <S> <C>


<ARTICLE>                                            9                  
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                         DEC-31-1996     
<PERIOD-END>                              JUN-30-1996  
<CASH>                                         12,721
<INT-BEARING-DEPOSITS>                         13,324
<FED-FUNDS-SOLD>                                  100
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                         0
<INVESTMENTS-CARRYING>                        109,623
<INVESTMENTS-MARKET>                          109,273
<LOANS>                                       319,430
<ALLOWANCE>                                     3,242
<TOTAL-ASSETS>                                464,548
<DEPOSITS>                                    400,339
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             2,347
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       13,253
<OTHER-SE>                                     34,229
<TOTAL-LIABILITIES-AND-EQUITY>                464,548
<INTEREST-LOAN>                                13,146
<INTEREST-INVEST>                               2,841
<INTEREST-OTHER>                                  437
<INTEREST-TOTAL>                               16,424
<INTEREST-DEPOSIT>                              7,133
<INTEREST-EXPENSE>                              7,420
<INTEREST-INCOME-NET>                           9,004
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 5,019
<INCOME-PRETAX>                                 4,816
<INCOME-PRE-EXTRAORDINARY>                      4,816
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    3,236
<EPS-PRIMARY>                                    0.61
<EPS-DILUTED>                                    0.61
<YIELD-ACTUAL>                                   4.11
<LOANS-NON>                                     1,303
<LOANS-PAST>                                    2,620
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,274
<CHARGE-OFFS>                                      89
<RECOVERIES>                                       37
<ALLOWANCE-CLOSE>                               3,242
<ALLOWANCE-DOMESTIC>                            3,242
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        


</TABLE>
