<ARTICLE>                                          9
<MULTIPLIER>                                                  1000
                                                    
                                                
<PERIOD-TYPE>                                      6-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Jun-30-1996
<CASH>                                                       4,170
<INT-BEARING-DEPOSITS>                                     233,373
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 40,485
<INVESTMENTS-CARRYING>                                       4,482
<INVESTMENTS-MARKET>                                         4,497
<LOANS>                                                    266,434
<ALLOWANCE>                                                  3,110
<TOTAL-ASSETS>                                             325,814
<DEPOSITS>                                                 245,359
<SHORT-TERM>                                                21,356
<LIABILITIES-OTHER>                                          3,079
<LONG-TERM>                                                 28,010
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     2,292
<OTHER-SE>                                                  25,718
<TOTAL-LIABILITIES-AND-EQUITY>                             325,814
<INTEREST-LOAN>                                             11,564
<INTEREST-INVEST>                                            1,469
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                            13,033
<INTEREST-DEPOSIT>                                           5,858
<INTEREST-EXPENSE>                                           7,135
<INTEREST-INCOME-NET>                                        5,898
<LOAN-LOSSES>                                                  160
<SECURITIES-GAINS>                                              26
<EXPENSE-OTHER>                                              3,586
<INCOME-PRETAX>                                              2,580
<INCOME-PRE-EXTRAORDINARY>                                   2,580
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,635
<EPS-PRIMARY>                                                 0.72
<EPS-DILUTED>                                                 0.72
<YIELD-ACTUAL>                                                3.88
<LOANS-NON>                                                  2,668
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                               650
<LOANS-PROBLEM>                                              1,376
<ALLOWANCE-OPEN>                                             3,062
<CHARGE-OFFS>                                                  139
<RECOVERIES>                                                    27
<ALLOWANCE-CLOSE>                                            3,110
<ALLOWANCE-DOMESTIC>                                         3,110
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0