
<TABLE> <S> <C>


<ARTICLE>                                      9
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S.
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   JUN-30-1997
<EXCHANGE-RATE>                                1
<CASH>                                         14,776
<INT-BEARING-DEPOSITS>                         0

<FED-FUNDS-SOLD>                               100
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    48,589
<INVESTMENTS-CARRYING>                         54,766
<INVESTMENTS-MARKET>                           54,821
<LOANS>                                        340,183
<ALLOWANCE>                                    3,170  
<TOTAL-ASSETS>                                 466,342
<DEPOSITS>                                     399,075
<SHORT-TERM>                                   13,567 
<LIABILITIES-OTHER>                            2,969  
<LONG-TERM>                                    0      
<PREFERRED-MANDATORY>                          13,133 
<PREFERRED>                                    0      
<COMMON>                                       0      
<OTHER-SE>                                     37,598 
<TOTAL-LIABILITIES-AND-EQUITY>                 466,342
<INTEREST-LOAN>                                13,602
<INTEREST-INVEST>                              3,717 
<INTEREST-OTHER>                               84    
<INTEREST-TOTAL>                               17,403
<INTEREST-DEPOSIT>                             7,007 
<INTEREST-EXPENSE>                             7,342 
<INTEREST-INCOME-NET>                          10,061
<LOAN-LOSSES>                                  90    
<SECURITIES-GAINS>                             0     
<EXPENSE-OTHER>                                5,481 
<INCOME-PRETAX>                                5,410 
<INCOME-PRE-EXTRAORDINARY>                     5,410 
<EXTRAORDINARY>                                0     
<CHANGES>                                      0     
<NET-INCOME>                                   3,623 
<EPS-PRIMARY>                                  .68  
<EPS-DILUTED>                                  .68  
<YIELD-ACTUAL>                                 4.53  
<LOANS-NON>                                    1,819
<LOANS-PAST>                                   1,907
<LOANS-TROUBLED>                               0    
<LOANS-PROBLEM>                                3,726
<ALLOWANCE-OPEN>                               3,183
<CHARGE-OFFS>                                  111  
<RECOVERIES>                                   8    
<ALLOWANCE-CLOSE>                              3,170
<ALLOWANCE-DOMESTIC>                           3,170
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>
