<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          10,924
<INT-BEARING-DEPOSITS>                              14
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     60,411
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            20,254
<LOANS>                                        201,566
<ALLOWANCE>                                      2,330
<TOTAL-ASSETS>                                 303,134
<DEPOSITS>                                     259,334
<SHORT-TERM>                                     4,396
<LIABILITIES-OTHER>                              1,417
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,912
<OTHER-SE>                                      31,075
<TOTAL-LIABILITIES-AND-EQUITY>                 303,134
<INTEREST-LOAN>                                  8,948
<INTEREST-INVEST>                                2,345
<INTEREST-OTHER>                                    82
<INTEREST-TOTAL>                                11,375
<INTEREST-DEPOSIT>                               4,751
<INTEREST-EXPENSE>                                  81
<INTEREST-INCOME-NET>                            6,543
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                (13)
<EXPENSE-OTHER>                                  4,389
<INCOME-PRETAX>                                  2,942
<INCOME-PRE-EXTRAORDINARY>                       2,942
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,129
<EPS-PRIMARY>                                     1.24
<EPS-DILUTED>                                     1.24
<YIELD-ACTUAL>                                    8.30
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,685
<LOANS-TROUBLED>                                   684
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,145
<CHARGE-OFFS>                                      107
<RECOVERIES>                                        42
<ALLOWANCE-CLOSE>                                2,330
<ALLOWANCE-DOMESTIC>                             2,330
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0