<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          32,593
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,017
<INVESTMENTS-CARRYING>                           8,081
<INVESTMENTS-MARKET>                             7,931
<LOANS>                                        224,772
<ALLOWANCE>                                      4,905
<TOTAL-ASSETS>                                 389,974
<DEPOSITS>                                     339,648
<SHORT-TERM>                                     1,787
<LIABILITIES-OTHER>                              4,162
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        32,090
<OTHER-SE>                                      12,287
<TOTAL-LIABILITIES-AND-EQUITY>                 389,974
<INTEREST-LOAN>                                 10,993
<INTEREST-INVEST>                                2,975
<INTEREST-OTHER>                                   518
<INTEREST-TOTAL>                                14,486
<INTEREST-DEPOSIT>                               3,727
<INTEREST-EXPENSE>                               3,790
<INTEREST-INCOME-NET>                           10,696
<LOAN-LOSSES>                                      152
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  8,312
<INCOME-PRETAX>                                  4,579
<INCOME-PRE-EXTRAORDINARY>                       4,579
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,694
<EPS-PRIMARY>                                     0.70
<EPS-DILUTED>                                     0.70
<YIELD-ACTUAL>                                    6.38
<LOANS-NON>                                      4,295
<LOANS-PAST>                                       103
<LOANS-TROUBLED>                                 3,206
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,265
<CHARGE-OFFS>                                    1,646
<RECOVERIES>                                       134
<ALLOWANCE-CLOSE>                                4,905
<ALLOWANCE-DOMESTIC>                             4,905
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,905