<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