<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE SECOND QUARTER
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          40,248
<INT-BEARING-DEPOSITS>                             200
<FED-FUNDS-SOLD>                                   209
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     83,145
<INVESTMENTS-CARRYING>                         120,365
<INVESTMENTS-MARKET>                           118,830
<LOANS>                                        349,940
<ALLOWANCE>                                      5,365
<TOTAL-ASSETS>                                 613,827
<DEPOSITS>                                     468,283
<SHORT-TERM>                                    81,914
<LIABILITIES-OTHER>                              5,189
<LONG-TERM>                                     19,432
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,448
<OTHER-SE>                                      37,561
<TOTAL-LIABILITIES-AND-EQUITY>                 613,827
<INTEREST-LOAN>                                 15,942
<INTEREST-INVEST>                                6,199
<INTEREST-OTHER>                                    60
<INTEREST-TOTAL>                                22,201
<INTEREST-DEPOSIT>                               9,033
<INTEREST-EXPENSE>                              11,449
<INTEREST-INCOME-NET>                           10,752
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                 (6)
<EXPENSE-OTHER>                                  8,497
<INCOME-PRETAX>                                  5,026
<INCOME-PRE-EXTRAORDINARY>                       3,218
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,218
<EPS-PRIMARY>                                     1.11<F1>
<EPS-DILUTED>                                     1.11<F1>
<YIELD-ACTUAL>                                    3.97
<LOANS-NON>                                        160
<LOANS-PAST>                                       351
<LOANS-TROUBLED>                                 1,404
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,472
<CHARGE-OFFS>                                      198
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                5,365
<ALLOWANCE-DOMESTIC>                             1,432
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,933
<FN>
<F1>EARNINGS PER SHARE REFLECT A TWO-FOR-ONE STOCK SPLIT EFFECTIVE APRIL 30, 1996.
FINANCIAL DATA SCHEDULES PRIOR TO THE FIRST QUARTER OF 1996 HAVE NOT BEEN
RESTATED FOR THIS STOCK SPLIT.
</FN>