<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                      20,164,000
<INT-BEARING-DEPOSITS>                          99,000
<FED-FUNDS-SOLD>                             9,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 25,575,000
<INVESTMENTS-CARRYING>                       7,462,000
<INVESTMENTS-MARKET>                         7,234,000
<LOANS>                                    191,683,000
<ALLOWANCE>                                  3,025,000
<TOTAL-ASSETS>                             269,958,000
<DEPOSITS>                                 245,103,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,678,000
<LONG-TERM>                                  4,575,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,000
<OTHER-SE>                                  18,599,000
<TOTAL-LIABILITIES-AND-EQUITY>             269,958,000
<INTEREST-LOAN>                              4,992,000
<INTEREST-INVEST>                              530,000
<INTEREST-OTHER>                               109,000
<INTEREST-TOTAL>                             5,631,000
<INTEREST-DEPOSIT>                           1,496,000
<INTEREST-EXPENSE>                           1,618,000
<INTEREST-INCOME-NET>                        4,013,000
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                           (110,000)
<EXPENSE-OTHER>                              3,906,000
<INCOME-PRETAX>                                530,000
<INCOME-PRE-EXTRAORDINARY>                     530,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,508,000
<EPS-PRIMARY>                                      .55
<EPS-DILUTED>                                      .48
<YIELD-ACTUAL>                                    6.85
<LOANS-NON>                                  1,239,000
<LOANS-PAST>                                   590,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,013,000
<CHARGE-OFFS>                                  456,000
<RECOVERIES>                                   278,000
<ALLOWANCE-CLOSE>                            3,025,000
<ALLOWANCE-DOMESTIC>                         3,025,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0