<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                          35,419
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,835
<INVESTMENTS-CARRYING>                          69,233
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        664,795
<ALLOWANCE>                                     11,242
<TOTAL-ASSETS>                                 840,142
<DEPOSITS>                                     762,203
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                             14,649
<LONG-TERM>                                      8,865
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      49,381
<TOTAL-LIABILITIES-AND-EQUITY>                 840,142
<INTEREST-LOAN>                                 14,204
<INTEREST-INVEST>                                  882
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,086
<INTEREST-DEPOSIT>                               7,821
<INTEREST-EXPENSE>                               8,120
<INTEREST-INCOME-NET>                            6,966
<LOAN-LOSSES>                                      678
<SECURITIES-GAINS>                                 739
<EXPENSE-OTHER>                                  7,335
<INCOME-PRETAX>                                  1,278
<INCOME-PRE-EXTRAORDINARY>                       1,278
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,273
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    7.62
<LOANS-NON>                                     15,634
<LOANS-PAST>                                         0<F1>
<LOANS-TROUBLED>                                10,105
<LOANS-PROBLEM>                                 14,173
<ALLOWANCE-OPEN>                                12,076
<CHARGE-OFFS>                                    1,590
<RECOVERIES>                                        78
<ALLOWANCE-CLOSE>                               11,242
<ALLOWANCE-DOMESTIC>                            11,242
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q
</FN>