<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's June 30, 1996 unaudited balance sheet, income statement and cash
flow statement, and notes thereto, and is qualified in its entirety by 
reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       6,468,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                              9,011,00
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                127,287,000
<INVESTMENTS-CARRYING>                      30,277,000
<INVESTMENTS-MARKET>                        29,285,000
<LOANS>                                    246,972,000
<ALLOWANCE>                                  1,516,000
<TOTAL-ASSETS>                             437,034,000
<DEPOSITS>                                 354,606,000
<SHORT-TERM>                                31,417,000
<LIABILITIES-OTHER>                          6,779,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,533,000
<OTHER-SE>                                  41,699,000
<TOTAL-LIABILITIES-AND-EQUITY>             437,034,000
<INTEREST-LOAN>                              9,625,000
<INTEREST-INVEST>                            4,265,000
<INTEREST-OTHER>                               364,000
<INTEREST-TOTAL>                            14,254,000
<INTEREST-DEPOSIT>                           7,102,000
<INTEREST-EXPENSE>                           7,538,000
<INTEREST-INCOME-NET>                        6,716,000
<LOAN-LOSSES>                                  159,000
<SECURITIES-GAINS>                            (20,000)
<EXPENSE-OTHER>                              4,874,000
<INCOME-PRETAX>                              2,879,000
<INCOME-PRE-EXTRAORDINARY>                   2,879,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,097,000
<EPS-PRIMARY>                                     1.08
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    3.46
<LOANS-NON>                                  1,539,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,578,000
<CHARGE-OFFS>                                  246,000
<RECOVERIES>                                    25,000
<ALLOWANCE-CLOSE>                            1,516,000
<ALLOWANCE-DOMESTIC>                         1,266,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        250,000