<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF JUNE 30, 1996 AND THE STATEMENT OF INCOME FOR
THE SIX MONTHS ENDED JUNE 30, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          29,871
<INT-BEARING-DEPOSITS>                           8,994
<FED-FUNDS-SOLD>                                14,690
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,257
<INVESTMENTS-CARRYING>                          13,076
<INVESTMENTS-MARKET>                            13,061
<LOANS>                                        267,275
<ALLOWANCE>                                    (3,804)
<TOTAL-ASSETS>                                 391,436
<DEPOSITS>                                     355,863
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,565
<LONG-TERM>                                        189
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,610
<OTHER-SE>                                      18,209
<TOTAL-LIABILITIES-AND-EQUITY>                 391,436
<INTEREST-LOAN>                                 14,986
<INTEREST-INVEST>                                2,225
<INTEREST-OTHER>                                    60
<INTEREST-TOTAL>                                17,271
<INTEREST-DEPOSIT>                               5,036
<INTEREST-EXPENSE>                               5,046
<INTEREST-INCOME-NET>                           12,225
<LOAN-LOSSES>                                    1,025
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,877
<INCOME-PRETAX>                                  2,877
<INCOME-PRE-EXTRAORDINARY>                       2,877
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,776
<EPS-PRIMARY>                                      .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0