<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AT JUNE 30, 1996 (UNAUDITED), CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE SIX MONTHS ENDED JUNE 30, 1996 (UNAUDITED)
AND THE NOTES TO THE CONSOLIDATED CONDENSED FINANCIAL STATEMENTS 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>                                             14,134      
<INT-BEARING-DEPOSITS>                                  0      
<FED-FUNDS-SOLD>                                        0      
<TRADING-ASSETS>                                        0      
<INVESTMENTS-HELD-FOR-SALE>                        36,533      
<INVESTMENTS-CARRYING>                             23,964      
<INVESTMENTS-MARKET>                               23,498      
<LOANS>                                           196,640      
<ALLOWANCE>                                         1,939      
<TOTAL-ASSETS>                                    277,080      
<DEPOSITS>                                        220,041      
<SHORT-TERM>                                       20,048      
<LIABILITIES-OTHER>                                   884      
<LONG-TERM>                                        14,425      
<PREFERRED-MANDATORY>                                   0      
<PREFERRED>                                             0      
<COMMON>                                            9,215      
<OTHER-SE>                                         12,467      
<TOTAL-LIABILITIES-AND-EQUITY>                    277,080      
<INTEREST-LOAN>                                     8,767      
<INTEREST-INVEST>                                   2,168      
<INTEREST-OTHER>                                       21      
<INTEREST-TOTAL>                                   10,956      
<INTEREST-DEPOSIT>                                  4,080      
<INTEREST-EXPENSE>                                  4,782      
<INTEREST-INCOME-NET>                               6,174      
<LOAN-LOSSES>                                         493      
<SECURITIES-GAINS>                                    223      
<EXPENSE-OTHER>                                     4,848      
<INCOME-PRETAX>                                     1,720      
<INCOME-PRE-EXTRAORDINARY>                          1,170      
<EXTRAORDINARY>                                         0      
<CHANGES>                                               0      
<NET-INCOME>                                        1,170      
<EPS-PRIMARY>                                        0.59   
<EPS-DILUTED>                                        0.59   
<YIELD-ACTUAL>                                      0.089 
<LOANS-NON>                                           305      
<LOANS-PAST>                                          470      
<LOANS-TROUBLED>                                        0      
<LOANS-PROBLEM>                                         0      
<ALLOWANCE-OPEN>                                    1,754      
<CHARGE-OFFS>                                         312      
<RECOVERIES>                                            4      
<ALLOWANCE-CLOSE>                                   1,939      
<ALLOWANCE-DOMESTIC>                                1,900      
<ALLOWANCE-FOREIGN>                                     0      
<ALLOWANCE-UNALLOCATED>                                39