<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED JUNE 30, 1996 AS PRESENTED IN ITS SECOND QUARTER 1996 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          25,996
<INT-BEARING-DEPOSITS>                             119
<FED-FUNDS-SOLD>                                   700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    182,875
<INVESTMENTS-CARRYING>                          11,611
<INVESTMENTS-MARKET>                            11,611
<LOANS>                                        278,052
<ALLOWANCE>                                      3,913
<TOTAL-ASSETS>                                 521,452
<DEPOSITS>                                     451,014
<SHORT-TERM>                                     8,595
<LIABILITIES-OTHER>                              8,751
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      42,341
<TOTAL-LIABILITIES-AND-EQUITY>                 521,452
<INTEREST-LOAN>                                 12,345
<INTEREST-INVEST>                                5,658
<INTEREST-OTHER>                                   356
<INTEREST-TOTAL>                                18,359
<INTEREST-DEPOSIT>                               7,082
<INTEREST-EXPENSE>                               7,319
<INTEREST-INCOME-NET>                           11,040
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 384
<EXPENSE-OTHER>                                  9,842
<INCOME-PRETAX>                                  4,413
<INCOME-PRE-EXTRAORDINARY>                       2,885
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,885
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    4.80
<LOANS-NON>                                      1,461
<LOANS-PAST>                                       334
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,900
<CHARGE-OFFS>                                      333
<RECOVERIES>                                        46
<ALLOWANCE-CLOSE>                                3,913
<ALLOWANCE-DOMESTIC>                             1,666
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,247