<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1996
<PERIOD-START>                             JAN-01-1995             JAN-01-1996
<PERIOD-END>                               DEC-31-1995             JUN-30-1996
<CASH>                                          18,956                  13,166
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 7,000                  12,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     64,888                  58,185
<INVESTMENTS-CARRYING>                           6,099                   6,094
<INVESTMENTS-MARKET>                             6,256                   6,124
<LOANS>                                        105,209                 117,185
<ALLOWANCE>                                      2,478                   2,969
<TOTAL-ASSETS>                                 207,668                 213,712
<DEPOSITS>                                     164,046                 165,544
<SHORT-TERM>                                    20,000                  24,497
<LIABILITIES-OTHER>                              2,638                   2,479
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        11,282                  11,041
<OTHER-SE>                                       9,702                  10,151
<TOTAL-LIABILITIES-AND-EQUITY>                  20,984                  21,192
<INTEREST-LOAN>                                 11,804                   6,308
<INTEREST-INVEST>                                3,644                   2,262
<INTEREST-OTHER>                                   671                     295
<INTEREST-TOTAL>                                16,119                   8,865
<INTEREST-DEPOSIT>                               2,970                   1,655
<INTEREST-EXPENSE>                               3,753                   2,310
<INTEREST-INCOME-NET>                           12,366                   6,555
<LOAN-LOSSES>                                      900                     450
<SECURITIES-GAINS>                                (48)                      66
<EXPENSE-OTHER>                                  9,855                   2,407
<INCOME-PRETAX>                                  5,169                   3,422
<INCOME-PRE-EXTRAORDINARY>                       5,169                   3,422
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,149                   2,068
<EPS-PRIMARY>                                     1.38                     .92
<EPS-DILUTED>                                     1.38                     .92
<YIELD-ACTUAL>                                    .075                    .069
<LOANS-NON>                                        824                     518
<LOANS-PAST>                                         3                      20
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,859                   2,478
<CHARGE-OFFS>                                      401                      64
<RECOVERIES>                                       120                     105
<ALLOWANCE-CLOSE>                                2,478                   2,969
<ALLOWANCE-DOMESTIC>                             1,672                   2,180
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            806                     789