<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <EXCHANGE-RATE> 1 <CASH> 38,866 <INT-BEARING-DEPOSITS> 673,949 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 394,571 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 464,298 <ALLOWANCE> 6,760 <TOTAL-ASSETS> 925,239 <DEPOSITS> 761,551 <SHORT-TERM> 10,000 <LIABILITIES-OTHER> 23,804 <LONG-TERM> 59,932 <COMMON> 562 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 69,390 <TOTAL-LIABILITIES-AND-EQUITY> 925,239 <INTEREST-LOAN> 19,805 <INTEREST-INVEST> 11,801 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 31,606 <INTEREST-DEPOSIT> 12,911 <INTEREST-EXPENSE> 14,950 <INTEREST-INCOME-NET> 16,656 <LOAN-LOSSES> 500 <SECURITIES-GAINS> 223 <EXPENSE-OTHER> 13,028 <INCOME-PRETAX> 6,240 <INCOME-PRE-EXTRAORDINARY> 6,240 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,790 <EPS-PRIMARY> .90 <EPS-DILUTED> .90 <YIELD-ACTUAL> 3.98 <LOANS-NON> 3,425 <LOANS-PAST> 0 <LOANS-TROUBLED> 831 <LOANS-PROBLEM> 305 <ALLOWANCE-OPEN> 6,506 <CHARGE-OFFS> 244 <RECOVERIES> 248 <ALLOWANCE-CLOSE> 6,760 <ALLOWANCE-DOMESTIC> 6,760 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0