<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE> 3-MOS 3-MOS 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995 DEC-31-1996 DEC-31-1995
<PERIOD-END> JUN-30-1996 JUN-30-1995 JUN-30-1996 JUN-30-1995
<CASH> 11,481,000 11,381,000 11,481,000 11,381,000
<INT-BEARING-DEPOSITS> 0 0 0 0
<FED-FUNDS-SOLD> 0 5,950,000 0 5,950,000
<TRADING-ASSETS> 0 0 0 0
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<INVESTMENTS-CARRYING> 31,327,000 48,776,000 31,327,000 48,776,000
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<ALLOWANCE> 2,359,000 2,186,000 2,359,000 2,186,000
<TOTAL-ASSETS> 310,509,000 282,611,000 310,509,000 282,611,000
<DEPOSITS> 246,198,000 231,646,000 246,198,000 231,646,000
<SHORT-TERM> 29,253,000 16,449,000 29,253,000 16,449,000
<LIABILITIES-OTHER> 3,269,000 2,077,000 3,269,000 2,077,000
<LONG-TERM> 4,061,000 6,740,000 4,061,000 6,740,000
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<PREFERRED> 0 0 0 0
<COMMON> 737,000 729,000 737,000 729,000
<OTHER-SE> 26,991,000 24,970,000 26,991,000 24,970,000
<TOTAL-LIABILITIES-AND-EQUITY> 310,509,000 282,611,000 310,509,000 282,611,000
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<INTEREST-INVEST> 1,250,000 1,169,000 2,457,000 2,314,000
<INTEREST-OTHER> 20,000 63,000 48,000 108,000
<INTEREST-TOTAL> 6,101,000 5,626,000 12,022,000 10,837,000
<INTEREST-DEPOSIT> 2,617,000 2,573,000 5,181,000 4,831,000
<INTEREST-EXPENSE> 2,951,000 2,891,000 5,810,000 5,418,000
<INTEREST-INCOME-NET> 3,150,000 2,735,000 6,212,000 5,419,000
<LOAN-LOSSES> 134,000 86,000 239,000 151,000
<SECURITIES-GAINS> 43,000 17,000 179,000 24,000
<EXPENSE-OTHER> 2,333,000 2,251,000 4,735,000 4,559,000
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<CHANGES> 0 0 0 0
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<EPS-PRIMARY> 1.36 1.00 2.65 1.89
<EPS-DILUTED> 1.36 1.00 2.65 1.89
<YIELD-ACTUAL> 4.40 4.22 4.33 4.18
<LOANS-NON> 1,725,000 869,000 1,725,000 869,000
<LOANS-PAST> 116,000 490,000 116,000 490,000
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<ALLOWANCE-DOMESTIC> 2,359,000 2,186,000 2,359,000 2,186,000
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