<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1996, and the Consolidated  Statement of
Income for the Six Months  Ended June 30, 1996 and is  qualified in its entirety
by reference to such financial statements.
</LEGEND>
       
<MULTIPLIER>    1,000
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           6,651
<INT-BEARING-DEPOSITS>                               3
<FED-FUNDS-SOLD>                                12,540
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,668
<INVESTMENTS-CARRYING>                           8,344
<INVESTMENTS-MARKET>                             8,443
<LOANS>                                        170,852
<ALLOWANCE>                                      2,622
<TOTAL-ASSETS>                                 229,695
<DEPOSITS>                                     187,903
<SHORT-TERM>                                     9,180
<LIABILITIES-OTHER>                              2,378
<LONG-TERM>                                     13,110
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,890
<OTHER-SE>                                      13,334
<TOTAL-LIABILITIES-AND-EQUITY>                 229,695
<INTEREST-LOAN>                                 10,160
<INTEREST-INVEST>                                1,114
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                19,666
<INTEREST-DEPOSIT>                               3,614
<INTEREST-EXPENSE>                               4,241
<INTEREST-INCOME-NET>                            7,033
<LOAN-LOSSES>                                      785
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,763
<INCOME-PRETAX>                                  1,485
<INCOME-PRE-EXTRAORDINARY>                       1,485
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       978
<EPS-PRIMARY>                                     0.38
<EPS-DILUTED>                                     0.38
<YIELD-ACTUAL>                                    7.22
<LOANS-NON>                                        240
<LOANS-PAST>                                       497
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,488
<ALLOWANCE-OPEN>                                 2,320
<CHARGE-OFFS>                                      534
<RECOVERIES>                                        51
<ALLOWANCE-CLOSE>                                2,622
<ALLOWANCE-DOMESTIC>                             2,622
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0