<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