<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