<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                            5936
<INT-BEARING-DEPOSITS>                              38
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      30612
<INVESTMENTS-CARRYING>                           61848
<INVESTMENTS-MARKET>                             60745
<LOANS>                                         170509
<ALLOWANCE>                                       1912
<TOTAL-ASSETS>                                  279051
<DEPOSITS>                                      241156
<SHORT-TERM>                                     10013
<LIABILITIES-OTHER>                               4086
<LONG-TERM>                                       1874
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1360
<OTHER-SE>                                       20561
<TOTAL-LIABILITIES-AND-EQUITY>                  279051
<INTEREST-LOAN>                                   7664
<INTEREST-INVEST>                                 2498
<INTEREST-OTHER>                                   146
<INTEREST-TOTAL>                                 10307
<INTEREST-DEPOSIT>                                4984
<INTEREST-EXPENSE>                                5215
<INTEREST-INCOME-NET>                             5092
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                   3428
<INCOME-PRETAX>                                   2219
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1534
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.13
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                       1509
<LOANS-PAST>                                       192
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1833
<CHARGE-OFFS>                                       35
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                 1912
<ALLOWANCE-DOMESTIC>                              1912
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0