<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           19590
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  8690
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      55220
<INVESTMENTS-CARRYING>                           22335
<INVESTMENTS-MARKET>                             21898
<LOANS>                                         322084
<ALLOWANCE>                                       5724
<TOTAL-ASSETS>                                  451745
<DEPOSITS>                                      381094
<SHORT-TERM>                                     22821
<LIABILITIES-OTHER>                               2298
<LONG-TERM>                                       4325
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          4001
<OTHER-SE>                                       37206
<TOTAL-LIABILITIES-AND-EQUITY>                  451745
<INTEREST-LOAN>                                  12510
<INTEREST-INVEST>                                 1657
<INTEREST-OTHER>                                   562
<INTEREST-TOTAL>                                 14729
<INTEREST-DEPOSIT>                                5853
<INTEREST-EXPENSE>                                5984
<INTEREST-INCOME-NET>                             8745
<LOAN-LOSSES>                                      407
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   6373
<INCOME-PRETAX>                                   3805
<INCOME-PRE-EXTRAORDINARY>                        3805
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2583
<EPS-PRIMARY>                                      .76
<EPS-DILUTED>                                      .76
<YIELD-ACTUAL>                                    5.81
<LOANS-NON>                                       3675
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   3675
<ALLOWANCE-OPEN>                                  4272
<CHARGE-OFFS>                                      490
<RECOVERIES>                                       323
<ALLOWANCE-CLOSE>                                 5723<F1>
<ALLOWANCE-DOMESTIC>                              5723<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           5723<F1>
<FN>
<F1>Includes $1211 reserve increase due to acquisition.
</FN>