<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>                                           4,827
<INT-BEARING-DEPOSITS>                          24,297
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,070
<INVESTMENTS-CARRYING>                          45,843
<INVESTMENTS-MARKET>                            45,360
<LOANS>                                        173,558
<ALLOWANCE>                                      3,712
<TOTAL-ASSETS>                                 302,689
<DEPOSITS>                                     245,652
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                              3,167
<LONG-TERM>                                     27,521
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            34
<OTHER-SE>                                      21,315<F1>
<TOTAL-LIABILITIES-AND-EQUITY>                 302,689
<INTEREST-LOAN>                                  7,694
<INTEREST-INVEST>                                3,105
<INTEREST-OTHER>                                   467
<INTEREST-TOTAL>                                11,266
<INTEREST-DEPOSIT>                               5,540
<INTEREST-EXPENSE>                               6,430
<INTEREST-INCOME-NET>                            4,836
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  3,746
<INCOME-PRETAX>                                  2,259
<INCOME-PRE-EXTRAORDINARY>                       2,259
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,407
<EPS-PRIMARY>                                     0.42
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                      1,703
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   595
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,739
<CHARGE-OFFS>                                       27
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,712
<ALLOWANCE-DOMESTIC>                             3,712
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Footnote 10 in 10QSB for Tag 27
</FN>