<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUN-30-1996 FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> APR-01-1996 <PERIOD-END> JUN-30-1996 <EXCHANGE-RATE> 1 <CASH> 10756 <INT-BEARING-DEPOSITS> 1449 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 99481 <INVESTMENTS-CARRYING> 6703 <INVESTMENTS-MARKET> 6943 <LOANS> 222285 <ALLOWANCE> 4533 <TOTAL-ASSETS> 349421 <DEPOSITS> 310756 <SHORT-TERM> 3738 <LIABILITIES-OTHER> 2710 <LONG-TERM> 671 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 376 <OTHER-SE> 31170 <TOTAL-LIABILITIES-AND-EQUITY> 349421 <INTEREST-LOAN> 5028 <INTEREST-INVEST> 1928 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6956 <INTEREST-DEPOSIT> 2750 <INTEREST-EXPENSE> 2819 <INTEREST-INCOME-NET> 4137 <LOAN-LOSSES> 23 <SECURITIES-GAINS> 40 <EXPENSE-OTHER> 2298 <INCOME-PRETAX> 2377 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1450 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.37 <YIELD-ACTUAL> 4.92 <LOANS-NON> 2835 <LOANS-PAST> 0 <LOANS-TROUBLED> 707 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4533 <CHARGE-OFFS> 259 <RECOVERIES> 101 <ALLOWANCE-CLOSE> 4533 <ALLOWANCE-DOMESTIC> 4533 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0