<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from Condensed Balance
Sheet and Statement of Income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                          14,924                       0
<INT-BEARING-DEPOSITS>                             169                       0
<FED-FUNDS-SOLD>                                 4,300                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     87,329                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        207,077                       0
<ALLOWANCE>                                      2,807                       0
<TOTAL-ASSETS>                                 321,129                       0
<DEPOSITS>                                     273,009                       0
<SHORT-TERM>                                    13,197                       0
<LIABILITIES-OTHER>                              2,517                       0
<LONG-TERM>                                      5,500                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                        500                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      25,155                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 321,129                       0
<INTEREST-LOAN>                                  8,819                   4,460
<INTEREST-INVEST>                                2,609                   1,332
<INTEREST-OTHER>                                   194                      92
<INTEREST-TOTAL>                                11,622                   5,884
<INTEREST-DEPOSIT>                               5,250                   2,660
<INTEREST-EXPENSE>                               5,800                   2,921
<INTEREST-INCOME-NET>                            5,822                   2,963
<LOAN-LOSSES>                                       60                      33
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,047                   2,045
<INCOME-PRETAX>                                  2,449                   1,298
<INCOME-PRE-EXTRAORDINARY>                       2,449                   1,298
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,481                     784
<EPS-PRIMARY>                                     1.15                     .61
<EPS-DILUTED>                                     1.15                     .61
<YIELD-ACTUAL>                                    7.94                       0
<LOANS-NON>                                      1,300                       0
<LOANS-PAST>                                        43                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,754                       0
<CHARGE-OFFS>                                       60                       0
<RECOVERIES>                                        42                       0
<ALLOWANCE-CLOSE>                                2,807                       0
<ALLOWANCE-DOMESTIC>                             1,569                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,238                       0