<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 28,931 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,584 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,861 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 322,953 <ALLOWANCE> 5,327 <TOTAL-ASSETS> 461,833 <DEPOSITS> 401,603 <SHORT-TERM> 10,782 <LIABILITIES-OTHER> 3,027 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,681 <OTHER-SE> 8,740 <TOTAL-LIABILITIES-AND-EQUITY> 461,833 <INTEREST-LOAN> 14,768 <INTEREST-INVEST> 2,204 <INTEREST-OTHER> 172 <INTEREST-TOTAL> 17,144 <INTEREST-DEPOSIT> 5,361 <INTEREST-EXPENSE> 5,850 <INTEREST-INCOME-NET> 11,294 <LOAN-LOSSES> (470) <SECURITIES-GAINS> 14 <EXPENSE-OTHER> 11,397 <INCOME-PRETAX> 2,900 <INCOME-PRE-EXTRAORDINARY> 2,900 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,683 <EPS-PRIMARY> .23 <EPS-DILUTED> .23 <YIELD-ACTUAL> 5.57 <LOANS-NON> 684 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,477 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,734 <CHARGE-OFFS> 339 <RECOVERIES> 402 <ALLOWANCE-CLOSE> 5,327 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0