<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