<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> APR-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 5,623,501 <INT-BEARING-DEPOSITS> 11,690,289 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 36,032,200 <INVESTMENTS-CARRYING> 30,314,214 <INVESTMENTS-MARKET> 30,506,487 <LOANS> 670,029,055 <ALLOWANCE> 4,465,813 <TOTAL-ASSETS> 791,610,088 <DEPOSITS> 537,525,724 <SHORT-TERM> 46,419,053 <LIABILITIES-OTHER> 14,342,531 <LONG-TERM> 128,255,743 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 34,483,027 <OTHER-SE> 30,584,010 <TOTAL-LIABILITIES-AND-EQUITY> 791,610,088 <INTEREST-LOAN> 12,593,062 <INTEREST-INVEST> 1,192,825 <INTEREST-OTHER> 279,654 <INTEREST-TOTAL> 14,065,541 <INTEREST-DEPOSIT> 5,849,951 <INTEREST-EXPENSE> 8,344,119 <INTEREST-INCOME-NET> 5,721,422 <LOAN-LOSSES> 60,000 <SECURITIES-GAINS> (15,797) <EXPENSE-OTHER> 3,854,294 <INCOME-PRETAX> 2,714,070 <INCOME-PRE-EXTRAORDINARY> 2,714,070 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,851,070 <EPS-PRIMARY> 0.40 <EPS-DILUTED> 0.40 <YIELD-ACTUAL> 3.04 <LOANS-NON> 664,248 <LOANS-PAST> 11,186 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,411,210 <CHARGE-OFFS> 10,739 <RECOVERIES> 5,342 <ALLOWANCE-CLOSE> 4,465,813 <ALLOWANCE-DOMESTIC> 3,485,162 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 980,651