<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 33173 <INT-BEARING-DEPOSITS> 99 <FED-FUNDS-SOLD> 15500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4270 <INVESTMENTS-CARRYING> 77423 <INVESTMENTS-MARKET> 81693 <LOANS> 244818 <ALLOWANCE> 8355 <TOTAL-ASSETS> 381119 <DEPOSITS> 330724 <SHORT-TERM> 0 <LIABILITIES-OTHER> 11573 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32030 <OTHER-SE> 6951 <TOTAL-LIABILITIES-AND-EQUITY> 381119 <INTEREST-LOAN> 11885 <INTEREST-INVEST> 2671 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14556 <INTEREST-DEPOSIT> 4592 <INTEREST-EXPENSE> 4794 <INTEREST-INCOME-NET> 9762 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 113 <EXPENSE-OTHER> 8647 <INCOME-PRETAX> 2433 <INCOME-PRE-EXTRAORDINARY> 1360 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1360 <EPS-PRIMARY> .25 <EPS-DILUTED> .25 <YIELD-ACTUAL> 5.74 <LOANS-NON> 2232 <LOANS-PAST> 0 <LOANS-TROUBLED> 2144 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6930 <CHARGE-OFFS> 1816 <RECOVERIES> 389 <ALLOWANCE-CLOSE> 8355 <ALLOWANCE-DOMESTIC> 8355 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2852