<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed Balance Sheet and Consolidated Condensed Statement of
Income found on page 3 and 4 of the Company's Form 10-Q for the Year-To-Date,
and is Qualified in its entirety by reference to such Financial Statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          26,154
<INT-BEARING-DEPOSITS>                              69
<FED-FUNDS-SOLD>                                40,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    118,086
<INVESTMENTS-CARRYING>                          73,926
<INVESTMENTS-MARKET>                            73,974
<LOANS>                                        419,288
<ALLOWANCE>                                      5,096
<TOTAL-ASSETS>                                 697,206
<DEPOSITS>                                     562,228
<SHORT-TERM>                                    52,874
<LIABILITIES-OTHER>                              3,790
<LONG-TERM>                                          0
<COMMON>                                           421
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      76,205
<TOTAL-LIABILITIES-AND-EQUITY>                 697,206
<INTEREST-LOAN>                                 18,407
<INTEREST-INVEST>                                5,296
<INTEREST-OTHER>                                   320
<INTEREST-TOTAL>                                24,023
<INTEREST-DEPOSIT>                               9,002
<INTEREST-EXPENSE>                              10,096
<INTEREST-INCOME-NET>                           13,927
<LOAN-LOSSES>                                      320
<SECURITIES-GAINS>                                (66)
<EXPENSE-OTHER>                                  9,303
<INCOME-PRETAX>                                  7,515
<INCOME-PRE-EXTRAORDINARY>                       4,920
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,920
<EPS-PRIMARY>                                     1.46
<EPS-DILUTED>                                     1.46
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0