<ARTICLE> 9
<CIK> 0000353650
<NAME> BWC FINANCIAL CORP
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                        10519000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               1085000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   18063000
<INVESTMENTS-CARRYING>                        10784000
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      106894000
<ALLOWANCE>                                    1816000
<TOTAL-ASSETS>                               148415000
<DEPOSITS>                                   132059000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             932000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                      10368000
<OTHER-SE>                                     5056000
<TOTAL-LIABILITIES-AND-EQUITY>               148415000
<INTEREST-LOAN>                                5302000
<INTEREST-INVEST>                               898000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               6200000
<INTEREST-DEPOSIT>                             1750000
<INTEREST-EXPENSE>                             1759000
<INTEREST-INCOME-NET>                          4441000
<LOAN-LOSSES>                                   300000
<SECURITIES-GAINS>                               44000
<EXPENSE-OTHER>                                3469000
<INCOME-PRETAX>                                1346000
<INCOME-PRE-EXTRAORDINARY>                     1346000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    948000
<EPS-PRIMARY>                                      .93
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    6.78
<LOANS-NON>                                      93000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 883000
<ALLOWANCE-OPEN>                               1529000
<CHARGE-OFFS>                                    34000
<RECOVERIES>                                     21000
<ALLOWANCE-CLOSE>                              1816000
<ALLOWANCE-DOMESTIC>                           1060000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         756000