<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>