<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           8,609
<INT-BEARING-DEPOSITS>                             352
<FED-FUNDS-SOLD>                                 2,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,220
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        156,278
<ALLOWANCE>                                      2,364
<TOTAL-ASSETS>                                 241,660
<DEPOSITS>                                     216,332
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                              1,429
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,613
<OTHER-SE>                                      18,786
<TOTAL-LIABILITIES-AND-EQUITY>                 241,660
<INTEREST-LOAN>                                  7,134
<INTEREST-INVEST>                                1,998
<INTEREST-OTHER>                                    79
<INTEREST-TOTAL>                                 9,211
<INTEREST-DEPOSIT>                               4,395
<INTEREST-EXPENSE>                                   8
<INTEREST-INCOME-NET>                            4,808
<LOAN-LOSSES>                                      108
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  3,131
<INCOME-PRETAX>                                  2,029
<INCOME-PRE-EXTRAORDINARY>                       2,029
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,381
<EPS-PRIMARY>                                     1.32
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    4.34
<LOANS-NON>                                      2,867
<LOANS-PAST>                                     1,552
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,286
<CHARGE-OFFS>                                       73
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                2,364
<ALLOWANCE-DOMESTIC>                             2,364
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0