<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
consolidated statements of condition and income and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          40,016
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,239
<INVESTMENTS-CARRYING>                          88,688
<INVESTMENTS-MARKET>                            88,532
<LOANS>                                        606,050
<ALLOWANCE>                                      9,481
<TOTAL-ASSETS>                                 825,385
<DEPOSITS>                                     738,400
<SHORT-TERM>                                     3,369
<LIABILITIES-OTHER>                              7,378
<LONG-TERM>                                        739
<COMMON>                                         4,067
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      71,432
<TOTAL-LIABILITIES-AND-EQUITY>                 825,385
<INTEREST-LOAN>                                 14,000
<INTEREST-INVEST>                                1,956
<INTEREST-OTHER>                                   580
<INTEREST-TOTAL>                                16,536
<INTEREST-DEPOSIT>                               7,165
<INTEREST-EXPENSE>                               7,277
<INTEREST-INCOME-NET>                            9,259
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,605
<INCOME-PRETAX>                                  3,840
<INCOME-PRE-EXTRAORDINARY>                       3,840
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,864
<EPS-PRIMARY>                                      .70
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    4.87
<LOANS-NON>                                          0<F1>
<LOANS-PAST>                                         0<F1>
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 9,836
<CHARGE-OFFS>                                        0<F1>
<RECOVERIES>                                         0<F1>
<ALLOWANCE-CLOSE>                                9,481
<ALLOWANCE-DOMESTIC>                             9,481
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Not reported in an interim financial statement.
</FN>