<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           2,351
<INT-BEARING-DEPOSITS>                           1,191
<FED-FUNDS-SOLD>                                 2,166
<TRADING-ASSETS>                                 1,649
<INVESTMENTS-HELD-FOR-SALE>                      6,430
<INVESTMENTS-CARRYING>                             633
<INVESTMENTS-MARKET>                               616
<LOANS>                                         32,885
<ALLOWANCE>                                       (744)
<TOTAL-ASSETS>                                  50,830
<DEPOSITS>                                      33,305
<SHORT-TERM>                                     7,773
<LIABILITIES-OTHER>                              3,160
<LONG-TERM>                                      2,632
<COMMON>                                           170
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        508
<OTHER-SE>                                       3,282
<TOTAL-LIABILITIES-AND-EQUITY>                  50,830
<INTEREST-LOAN>                                  1,580
<INTEREST-INVEST>                                  213
<INTEREST-OTHER>                                   243
<INTEREST-TOTAL>                                 2,036
<INTEREST-DEPOSIT>                                 718
<INTEREST-EXPENSE>                               1,164
<INTEREST-INCOME-NET>                              872
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                    230
<INCOME-PRETAX>                                    511
<INCOME-PRE-EXTRAORDINARY>                         295
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       295
<EPS-PRIMARY>                                     2.50
<EPS-DILUTED>                                     2.46
<YIELD-ACTUAL>                                    4.19
<LOANS-NON>                                        343
<LOANS-PAST>                                         9
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   735
<CHARGE-OFFS>                                     (111)
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                  744
<ALLOWANCE-DOMESTIC>                               428
<ALLOWANCE-FOREIGN>                                174
<ALLOWANCE-UNALLOCATED>                            142