<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 24,850 <INT-BEARING-DEPOSITS> 3,421 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,958 <INVESTMENTS-CARRYING> 148,518 <INVESTMENTS-MARKET> 145,805 <LOANS> 307,790 <ALLOWANCE> 1,566 <TOTAL-ASSETS> 528,910 <DEPOSITS> 341,872 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 8,557 <LONG-TERM> 98,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 74,583 <TOTAL-LIABILITIES-AND-EQUITY> 528,910 <INTEREST-LOAN> 10,902 <INTEREST-INVEST> 6,594 <INTEREST-OTHER> 577 <INTEREST-TOTAL> 18,073 <INTEREST-DEPOSIT> 6,397 <INTEREST-EXPENSE> 9,320 <INTEREST-INCOME-NET> 8,753 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 223 <EXPENSE-OTHER> 5,403 <INCOME-PRETAX> 4,254 <INCOME-PRE-EXTRAORDINARY> 4,254 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,496 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 3.42 <LOANS-NON> 36 <LOANS-PAST> 1,805 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,484 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,566 <ALLOWANCE-DOMESTIC> 1,566 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,566