<ARTICLE> 9
<LEGEND>
At June 30, 1996, and for the six month period ended June 30, 1996:
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           18601
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     168918
<INVESTMENTS-CARRYING>                           47383
<INVESTMENTS-MARKET>                             47528
<LOANS>                                         431277
<ALLOWANCE>                                       4253
<TOTAL-ASSETS>                                  699495
<DEPOSITS>                                      609066
<SHORT-TERM>                                     24247
<LIABILITIES-OTHER>                               3397
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           429
<OTHER-SE>                                       62356
<TOTAL-LIABILITIES-AND-EQUITY>                  699495
<INTEREST-LOAN>                                  18350
<INTEREST-INVEST>                                 6717
<INTEREST-OTHER>                                   781
<INTEREST-TOTAL>                                 25848
<INTEREST-DEPOSIT>                                9968
<INTEREST-EXPENSE>                               10412
<INTEREST-INCOME-NET>                            15436
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  44
<EXPENSE-OTHER>                                  13222
<INCOME-PRETAX>                                   6337
<INCOME-PRE-EXTRAORDINARY>                        4069
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4069
<EPS-PRIMARY>                                      .95
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    7.65
<LOANS-NON>                                       3963
<LOANS-PAST>                                       150
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  4066
<CHARGE-OFFS>                                      305
<RECOVERIES>                                       192
<ALLOWANCE-CLOSE>                                 4253
<ALLOWANCE-DOMESTIC>                              4253
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0