<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION 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-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           3,726
<INT-BEARING-DEPOSITS>                           2,059
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,098
<INVESTMENTS-CARRYING>                             988
<INVESTMENTS-MARKET>                               975
<LOANS>                                        229,915
<ALLOWANCE>                                     (1,348)
<TOTAL-ASSETS>                                 317,347
<DEPOSITS>                                     219,257
<SHORT-TERM>                                    29,019
<LIABILITIES-OTHER>                              1,896
<LONG-TERM>                                     20,582
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      46,763
<TOTAL-LIABILITIES-AND-EQUITY>                 317,347
<INTEREST-LOAN>                                  8,848
<INTEREST-INVEST>                                2,626
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,474
<INTEREST-DEPOSIT>                               5,411
<INTEREST-EXPENSE>                               6,953
<INTEREST-INCOME-NET>                            4,521
<LOAN-LOSSES>                                       22
<SECURITIES-GAINS>                                  70
<EXPENSE-OTHER>                                  3,587
<INCOME-PRETAX>                                  1,306
<INCOME-PRE-EXTRAORDINARY>                       1,306
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       768
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    7.39
<LOANS-NON>                                      1,427
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,362
<CHARGE-OFFS>                                      (42)
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                1,348
<ALLOWANCE-DOMESTIC>                             1,348
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>This information is not contained in the Form 10-Q
</FN>