<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