<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>                                          28,029
<INT-BEARING-DEPOSITS>                          26,478
<FED-FUNDS-SOLD>                                13,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,619
<INVESTMENTS-CARRYING>                         132,778
<INVESTMENTS-MARKET>                           130,716
<LOANS>                                        195,252
<ALLOWANCE>                                      6,421
<TOTAL-ASSETS>                                 443,202
<DEPOSITS>                                     165,666
<SHORT-TERM>                                     6,254
<LIABILITIES-OTHER>                              6,671
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,000
<OTHER-SE>                                      44,138
<TOTAL-LIABILITIES-AND-EQUITY>                 443,202
<INTEREST-LOAN>                                  7,836
<INTEREST-INVEST>                                4,729
<INTEREST-OTHER>                                   973
<INTEREST-TOTAL>                                13,538
<INTEREST-DEPOSIT>                               2,169
<INTEREST-EXPENSE>                               2,243
<INTEREST-INCOME-NET>                           11,295
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,037
<INCOME-PRETAX>                                  4,508
<INCOME-PRE-EXTRAORDINARY>                       4,508
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,961
<EPS-PRIMARY>                                     1.52
<EPS-DILUTED>                                     1.52
<YIELD-ACTUAL>                                    .060
<LOANS-NON>                                        444
<LOANS-PAST>                                        18
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 6,358
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                                6,421
<ALLOWANCE-DOMESTIC>                             6,421
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information available only at year-end