<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 25,448 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,210 <INVESTMENTS-CARRYING> 98,004 <INVESTMENTS-MARKET> 97,310 <LOANS> 420,265 <ALLOWANCE> 9,268 <TOTAL-ASSETS> 650,090 <DEPOSITS> 539,081 <SHORT-TERM> 10,500 <LIABILITIES-OTHER> 9,854 <LONG-TERM> 12,417 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,675 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 650,090 <INTEREST-LOAN> 17,850 <INTEREST-INVEST> 5,407 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 23,257 <INTEREST-DEPOSIT> 7,346 <INTEREST-EXPENSE> 8,212 <INTEREST-INCOME-NET> 15,045 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,457 <INCOME-PRETAX> 6,835 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,404 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 0 <LOANS-NON> 5,647 <LOANS-PAST> 114 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,100 <ALLOWANCE-OPEN> 10,099 <CHARGE-OFFS> 1,415 <RECOVERIES> 534 <ALLOWANCE-CLOSE> 9,268 <ALLOWANCE-DOMESTIC> 8,502 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 766