<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             APR-01-1996
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                          21,528                       0
<INT-BEARING-DEPOSITS>                              97                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     44,334                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        258,880                       0
<ALLOWANCE>                                      4,159                       0
<TOTAL-ASSETS>                                 338,482                       0
<DEPOSITS>                                     290,748                       0
<SHORT-TERM>                                     8,700                       0
<LIABILITIES-OTHER>                              5,710                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,493                       0
<OTHER-SE>                                      30,831                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 338,482                       0
<INTEREST-LOAN>                                 10,413                   5,364
<INTEREST-INVEST>                                1,413                     664
<INTEREST-OTHER>                                   186                      25
<INTEREST-TOTAL>                                12,012                   6,053
<INTEREST-DEPOSIT>                               3,271                   1,592
<INTEREST-EXPENSE>                               3,271                   1,592
<INTEREST-INCOME-NET>                            8,741                   4,461
<LOAN-LOSSES>                                      200                      75
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  9,790                   4,793
<INCOME-PRETAX>                                  4,512                   1,915
<INCOME-PRE-EXTRAORDINARY>                       4,512                   1,915
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,032                   1,275
<EPS-PRIMARY>                                     1.34                     .56
<EPS-DILUTED>                                     1.34                     .56
<YIELD-ACTUAL>                                    5.62                       0
<LOANS-NON>                                        703                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,652                       0
<CHARGE-OFFS>                                      102                       0
<RECOVERIES>                                       409                       0
<ALLOWANCE-CLOSE>                                4,159                       0
<ALLOWANCE-DOMESTIC>                             4,159                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            978                       0