<ARTICLE> 9
<LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE SIX
MONTHS ENDED JUNE 30, 1996 AND JUNE 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995
<PERIOD-START> JAN-01-1996 JAN-01-1995
<PERIOD-END> JUN-30-1996 JUN-30-1995
<CASH> 3,115 5,246
<INT-BEARING-DEPOSITS> 2,383 1,595
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 231,478 192,026
<INVESTMENTS-CARRYING> 70,574 171,679
<INVESTMENTS-MARKET> 69,864 171,815
<LOANS> 266,122 190,563
<ALLOWANCE> 4,326 3,156
<TOTAL-ASSETS> 592,771 576,518
<DEPOSITS> 324,318 335,695
<SHORT-TERM> 143,277 128,478
<LIABILITIES-OTHER> 10,531 12,720
<LONG-TERM> 55,803 35,803
<COMMON> 58,842 63,822
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<OTHER-SE> 0 0
<TOTAL-LIABILITIES-AND-EQUITY> 592,771 576,518
<INTEREST-LOAN> 10,607 8,310
<INTEREST-INVEST> 11,652 9,942
<INTEREST-OTHER> 253 336
<INTEREST-TOTAL> 22,512 18,588
<INTEREST-DEPOSIT> 7,335 7,610
<INTEREST-EXPENSE> 12,695 10,872
<INTEREST-INCOME-NET> 9,817 7,716
<LOAN-LOSSES> 1,125 530
<SECURITIES-GAINS> 1,096 662
<EXPENSE-OTHER> 7,535 6,216
<INCOME-PRETAX> 2,876 2,088
<INCOME-PRE-EXTRAORDINARY> 1,877 1,380
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,877 1,380
<EPS-PRIMARY> 0.49 0
<EPS-DILUTED> 0.49 0
<YIELD-ACTUAL> 7.80 7.62
<LOANS-NON> 2,633 4,572
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 3,460 2,714
<CHARGE-OFFS> 259 89
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 4,326 3,156
<ALLOWANCE-DOMESTIC> 2,552 1,862
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 1,774 1,294