<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 <INT-BEARING-DEPOSITS> 6045 <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 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3981 <OTHER-SE> 4320 <TOTAL-LIABILITIES-AND-EQUITY> 230557 <INTEREST-LOAN> 7797 <INTEREST-INVEST> 1506 <INTEREST-OTHER> 263 <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 <NET-INCOME> 1853 <EPS-PRIMARY> 2.88 <EPS-DILUTED> 0 <YIELD-ACTUAL> 6.22 <LOANS-NON> 293 <LOANS-PAST> 349 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1830 <CHARGE-OFFS> 54 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1991 <ALLOWANCE-DOMESTIC> 1581 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 409