<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1997 <CASH> 25,725 <INT-BEARING-DEPOSITS> 3,451 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 54,599 <INVESTMENTS-CARRYING> 267,777 <INVESTMENTS-MARKET> 268,047 <LOANS> 317,855 <ALLOWANCE> 1,989 <TOTAL-ASSETS> 640,746 <DEPOSITS> 460,847 <SHORT-TERM> 0 <LIABILITIES-OTHER> 10,313 <LONG-TERM> 98,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 70,698 <TOTAL-LIABILITIES-AND-EQUITY> 640,746 <INTEREST-LOAN> 12,413 <INTEREST-INVEST> 9,334 <INTEREST-OTHER> 534 <INTEREST-TOTAL> 22,281 <INTEREST-DEPOSIT> 9,320 <INTEREST-EXPENSE> 12,250 <INTEREST-INCOME-NET> 10,031 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 188 <EXPENSE-OTHER> 6,726 <INCOME-PRETAX> 4,003 <INCOME-PRE-EXTRAORDINARY> 4,003 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,429 <EPS-PRIMARY> .60 <EPS-DILUTED> .60 <YIELD-ACTUAL> 3.23 <LOANS-NON> 0 <LOANS-PAST> 1,933 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,806 <CHARGE-OFFS> 3 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,983 <ALLOWANCE-DOMESTIC> 1,983 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,983