<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON
PAGES 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 INFORMATION.
</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>                                          20,495
<INT-BEARING-DEPOSITS>                             314
<FED-FUNDS-SOLD>                                 6,151
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,067
<INVESTMENTS-CARRYING>                           5,935
<INVESTMENTS-MARKET>                             5,935
<LOANS>                                        338,137<F1>
<ALLOWANCE>                                      7,034
<TOTAL-ASSETS>                                 520,993
<DEPOSITS>                                     443,020
<SHORT-TERM>                                    23,238
<LIABILITIES-OTHER>                             10,729
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        19,193
<OTHER-SE>                                       7,063<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 520,993
<INTEREST-LOAN>                                 21,243
<INTEREST-INVEST>                                1,465
<INTEREST-OTHER>                                   624
<INTEREST-TOTAL>                                23,332
<INTEREST-DEPOSIT>                              10,363
<INTEREST-EXPENSE>                              11,751
<INTEREST-INCOME-NET>                           11,581
<LOAN-LOSSES>                                    2,830
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                171,758
<INCOME-PRETAX>                                  1,589
<INCOME-PRE-EXTRAORDINARY>                       1,589
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       924
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                      7,074
<LOANS-PAST>                                       121
<LOANS-TROUBLED>                                   256
<LOANS-PROBLEM>                                  2,834
<ALLOWANCE-OPEN>                                 5,037
<CHARGE-OFFS>                                      902
<RECOVERIES>                                        69
<ALLOWANCE-CLOSE>                                7,034
<ALLOWANCE-DOMESTIC>                             6,383
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            651
<FN>
<F1>17 EXCLUDES MORTGAGE LOANS HELD FOR SALE OF 79,766
<F2>27 INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES
AVAILABLE FOR SALE OF 604
</FN>