<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               JUN-30-1996             DEC-31-1995
<CASH>                                           14319                   16356
<INT-BEARING-DEPOSITS>                          313015                  323846
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<TRADING-ASSETS>                                     0                       0
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<ALLOWANCE>                                       4120                    4080
<TOTAL-ASSETS>                                  502941                  480685
<DEPOSITS>                                      351681                  369880
<SHORT-TERM>                                     89421                   51980
<LIABILITIES-OTHER>                               5558                    5145
<LONG-TERM>                                          0                       0
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<PREFERRED>                                          0                       0
<COMMON>                                          2436                    2436
<OTHER-SE>                                       53845                   51244
<TOTAL-LIABILITIES-AND-EQUITY>                  502941                  480685
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<INTEREST-INVEST>                                 4952                    9842
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<INTEREST-TOTAL>                                 19630                   38468
<INTEREST-DEPOSIT>                                7117                   13743
<INTEREST-EXPENSE>                                9467                   18853
<INTEREST-INCOME-NET>                            10163                   19615
<LOAN-LOSSES>                                      324                     899
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                   5950                   11707
<INCOME-PRETAX>                                   5760                   10746
<INCOME-PRE-EXTRAORDINARY>                        5760                   10746
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                      3855                    7403
<EPS-PRIMARY>                                     1.65                    3.16
<EPS-DILUTED>                                     1.64                    3.15
<YIELD-ACTUAL>                                    8.49                    8.56
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<LOANS-PAST>                                       370                     353
<LOANS-TROUBLED>                                     0                       0
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<ALLOWANCE-FOREIGN>                                  0                       0
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