<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 18869 <INT-BEARING-DEPOSITS> 1050 <FED-FUNDS-SOLD> 2075 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120468 <INVESTMENTS-CARRYING> 3443 <INVESTMENTS-MARKET> 3425 <LOANS> 327718 <ALLOWANCE> 2680 <TOTAL-ASSETS> 494221 <DEPOSITS> 403779 <SHORT-TERM> 41887 <LIABILITIES-OTHER> 4257 <LONG-TERM> 6700 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 3736 <OTHER-SE> 30762 <TOTAL-LIABILITIES-AND-EQUITY> 494221 <INTEREST-LOAN> 13226 <INTEREST-INVEST> 3723 <INTEREST-OTHER> 116 <INTEREST-TOTAL> 17065 <INTEREST-DEPOSIT> 7568 <INTEREST-EXPENSE> 8463 <INTEREST-INCOME-NET> 8602 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 18 <EXPENSE-OTHER> 7338 <INCOME-PRETAX> 3687 <INCOME-PRE-EXTRAORDINARY> 3687 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2369 <EPS-PRIMARY> 2.46 <EPS-DILUTED> 2.30 <YIELD-ACTUAL> 7.87 <LOANS-NON> 282 <LOANS-PAST> 682 <LOANS-TROUBLED> 601 <LOANS-PROBLEM> 883 <ALLOWANCE-OPEN> 2814 <CHARGE-OFFS> 163 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 2680 <ALLOWANCE-DOMESTIC> 2680 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 421