<ARTICLE>                      9
<MULTIPLIER>                   1,000
       
                                 

 <PERIOD-TYPE>                      6-MOS
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 <PERIOD-END>                                JUN-30-1996
 <CASH>                                           11,390
 <INT-BEARING-DEPOSITS>                                0
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 <TRADING-ASSETS>                                      0
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 <INVESTMENTS-MARKET>                             11,102
 <LOANS>                                         129,605
 <ALLOWANCE>                                       1,889
 <TOTAL-ASSETS>                                  195,513
 <DEPOSITS>                                      164,107
 <SHORT-TERM>                                     12,265
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 <LONG-TERM>                                           0
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 <PREFERRED>                                           0
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 <INTEREST-LOAN>                                   5,734
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 <CHARGE-OFFS>                                        15
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 <ALLOWANCE-DOMESTIC>                              1,889
 <ALLOWANCE-FOREIGN>                                   0
 <ALLOWANCE-UNALLOCATED>                               0