<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           10611
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<FED-FUNDS-SOLD>                                  5500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      16361
<INVESTMENTS-CARRYING>                           32159
<INVESTMENTS-MARKET>                             32301
<LOANS>                                         156159
<ALLOWANCE>                                       1991
<TOTAL-ASSETS>                                  230557
<DEPOSITS>                                      197031
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              16627
<LONG-TERM>                                          0
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<INTEREST-INVEST>                                 1506
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<INTEREST-TOTAL>                                  9566
<INTEREST-DEPOSIT>                                4097
<INTEREST-EXPENSE>                                4320
<INTEREST-INCOME-NET>                             5246
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                   2906
<INCOME-PRETAX>                                   2660
<INCOME-PRE-EXTRAORDINARY>                        1853
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     2.88
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    6.22
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<LOANS-PAST>                                       349
<LOANS-TROUBLED>                                     0
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<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                 1991
<ALLOWANCE-DOMESTIC>                              1581
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