<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
CONSOLIDATED BALANCE SHEETS AS OF JUNE 30, 1996 AND DECEMBER 31, 1995 AND
CONSOLIDATED STATEMENTS OF OPERATIONS FOR THE THREE AND SIX MONTHS ENDED JUNE
30, 1996 AND 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FORM 10-Q
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY>U.S. 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>                                          21,560
<INT-BEARING-DEPOSITS>                           1,345
<FED-FUNDS-SOLD>                                 9,895
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    137,984
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        435,457
<ALLOWANCE>                                      5,197
<TOTAL-ASSETS>                                 622,976
<DEPOSITS>                                     537,847
<SHORT-TERM>                                    11,468
<LIABILITIES-OTHER>                              9,035
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,331
<OTHER-SE>                                      15,295
<TOTAL-LIABILITIES-AND-EQUITY>                 622,976
<INTEREST-LOAN>                                 23,131
<INTEREST-INVEST>                                4,644
<INTEREST-OTHER>                                   700
<INTEREST-TOTAL>                                28,475
<INTEREST-DEPOSIT>                              12,432
<INTEREST-EXPENSE>                              13,925
<INTEREST-INCOME-NET>                           14,550
<LOAN-LOSSES>                                    1,707
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                 15,022
<INCOME-PRETAX>                                  8,061
<INCOME-PRE-EXTRAORDINARY>                       8,061
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,229
<EPS-PRIMARY>                                     2.55
<EPS-DILUTED>                                     2.55
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                      1,228
<LOANS-PAST>                                       389
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,789
<CHARGE-OFFS>                                    1,207
<RECOVERIES>                                       242
<ALLOWANCE-CLOSE>                                5,197
<ALLOWANCE-DOMESTIC>                             5,157
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             40