<ARTICLE>                                    9
<MULTIPLIER>                             1,000       
       
                                     
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                       DEC-31-1996  
<PERIOD-END>                            JUN-30-1996
<CASH>                                    7,354
<INT-BEARING-DEPOSITS>                      349
<FED-FUNDS-SOLD>                          4,650
<TRADING-ASSETS>                              0
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<INVESTMENTS-CARRYING>                   54,294
<INVESTMENTS-MARKET>                     54,161
<LOANS>                                 157,318
<ALLOWANCE>                               2,133
<TOTAL-ASSETS>                          237,933
<DEPOSITS>                              205,845
<SHORT-TERM>                              4,460
<LIABILITIES-OTHER>                       2,612
<LONG-TERM>                               2,582
<PREFERRED-MANDATORY>                         0
<PREFERRED>                                   0
<COMMON>                                     90
<OTHER-SE>                               22,344
<TOTAL-LIABILITIES-AND-EQUITY>          237,933
<INTEREST-LOAN>                           7,008
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<INTEREST-OTHER>                             99
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<INTEREST-DEPOSIT>                        3,683
<INTEREST-EXPENSE>                        3,944
<INTEREST-INCOME-NET>                     4,858 
<LOAN-LOSSES>                               350
<SECURITIES-GAINS>                            0
<EXPENSE-OTHER>                           3,738
<INCOME-PRETAX>                           1,342
<INCOME-PRE-EXTRAORDINARY>                1,342
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<EPS-PRIMARY>                              1.20
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<YIELD-ACTUAL>                             4.76
<LOANS-NON>                               4,101
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<LOANS-TROUBLED>                              0
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<ALLOWANCE-OPEN>                          2,125
<CHARGE-OFFS>                               418
<RECOVERIES>                                 76
<ALLOWANCE-CLOSE>                         2,133
<ALLOWANCE-DOMESTIC>                      2,133
<ALLOWANCE-FOREIGN>                           0
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