<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 8,883 <INT-BEARING-DEPOSITS> 618,695 <FED-FUNDS-SOLD> 25,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,448 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 644,305 <ALLOWANCE> 15,762 <TOTAL-ASSETS> 761,162 <DEPOSITS> 621,965 <SHORT-TERM> 87,150 <LIABILITIES-OTHER> 5,910 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 11,592 <COMMON> 26 <OTHER-SE> 34,519 <TOTAL-LIABILITIES-AND-EQUITY> 761,162 <INTEREST-LOAN> 27,721 <INTEREST-INVEST> 3,124 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 30,845 <INTEREST-DEPOSIT> 9,294 <INTEREST-EXPENSE> 9,899 <INTEREST-INCOME-NET> 11,537 <LOAN-LOSSES> 3,689 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,455 <INCOME-PRETAX> 5,049 <INCOME-PRE-EXTRAORDINARY> 5,049 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,532 <EPS-PRIMARY> 1.07 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> 8.10 <LOANS-NON> 22,576 <LOANS-PAST> 0 <LOANS-TROUBLED> 33,152 <LOANS-PROBLEM> 63,828 <ALLOWANCE-OPEN> 15,192 <CHARGE-OFFS> 3,285 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 15,762 <ALLOWANCE-DOMESTIC> 15,762 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0