<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1995
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          26,447
<INT-BEARING-DEPOSITS>                             169
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   500
<INVESTMENTS-HELD-FOR-SALE>                    108,127
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        399,586
<ALLOWANCE>                                   (15,631)
<TOTAL-ASSETS>                                 568,938
<DEPOSITS>                                     507,299
<SHORT-TERM>                                     3,679
<LIABILITIES-OTHER>                              9,727
<LONG-TERM>                                      6,422
<COMMON>                                            44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      41,767
<TOTAL-LIABILITIES-AND-EQUITY>                 568,938
<INTEREST-LOAN>                                 19,348
<INTEREST-INVEST>                                3,136
<INTEREST-OTHER>                                   258
<INTEREST-TOTAL>                                22,741
<INTEREST-DEPOSIT>                               9,028
<INTEREST-EXPENSE>                               9,501
<INTEREST-INCOME-NET>                           13,241
<LOAN-LOSSES>                                    1,800
<SECURITIES-GAINS>                                  90
<EXPENSE-OTHER>                                 13,825
<INCOME-PRETAX>                                  3,697
<INCOME-PRE-EXTRAORDINARY>                       3,697
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,913
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.68
<YIELD-ACTUAL>                                    5.47
<LOANS-NON>                                     13,335
<LOANS-PAST>                                     1,159
<LOANS-TROUBLED>                                 2,604
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                16,234
<CHARGE-OFFS>                                  (3,302)
<RECOVERIES>                                       898
<ALLOWANCE-CLOSE>                               15,631
<ALLOWANCE-DOMESTIC>                            15,631
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,420