<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMAITON EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                           3,539
<INT-BEARING-DEPOSITS>                           4,844
<FED-FUNDS-SOLD>                                30,125
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          19,959
<INVESTMENTS-MARKET>                            20,968
<LOANS>                                        500,224
<ALLOWANCE>                                        635
<TOTAL-ASSETS>                                 570,649
<DEPOSITS>                                     433,651
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             20,733
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                     116,179
<TOTAL-LIABILITIES-AND-EQUITY>                 570,649
<INTEREST-LOAN>                                 17,410
<INTEREST-INVEST>                                2,295
<INTEREST-OTHER>                                   111
<INTEREST-TOTAL>                                19,816
<INTEREST-DEPOSIT>                              10,112
<INTEREST-EXPENSE>                              10,112
<INTEREST-INCOME-NET>                            9,704
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,813
<INCOME-PRETAX>                                  7,243
<INCOME-PRE-EXTRAORDINARY>                       7,243
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,406
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                      .58
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        474
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   605
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  635
<ALLOWANCE-DOMESTIC>                               635
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0