<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED CONDENSED BALANCE SHEET (PAGE 3), CONSOLIDATED CONDENSED 
STATEMENT OF INCOME (PAGE 4), AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE 
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          31,106
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                15,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    145,992
<INVESTMENTS-CARRYING>                          51,015
<INVESTMENTS-MARKET>                            51,188
<LOANS>                                        439,926
<ALLOWANCE>                                      4,919
<TOTAL-ASSETS>                                 704,209
<DEPOSITS>                                     574,225
<SHORT-TERM>                                    41,611
<LIABILITIES-OTHER>                              5,872
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           633
<OTHER-SE>                                      81,868
<TOTAL-LIABILITIES-AND-EQUITY>                 704,209
<INTEREST-LOAN>                                 19,224
<INTEREST-INVEST>                                5,752
<INTEREST-OTHER>                                   400
<INTEREST-TOTAL>                                25,736
<INTEREST-DEPOSIT>                              10,118
<INTEREST-EXPENSE>                              11,176
<INTEREST-INCOME-NET>                           14,200
<LOAN-LOSSES>                                      320
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  9,546
<INCOME-PRETAX>                                  7,944
<INCOME-PRE-EXTRAORDINARY>                       5,159
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,159
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                     1.02
<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