<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 41,211 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,226 <INVESTMENTS-CARRYING> 30,478 <INVESTMENTS-MARKET> 29,898 <LOANS> 236,842 <ALLOWANCE> 3,101 <TOTAL-ASSETS> 435,359 <DEPOSITS> 380,301 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,653 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 43,171 <OTHER-SE> 9,234 <TOTAL-LIABILITIES-AND-EQUITY> 435,359 <INTEREST-LOAN> 11,857 <INTEREST-INVEST> 3,836 <INTEREST-OTHER> 367 <INTEREST-TOTAL> 16,060 <INTEREST-DEPOSIT> 3,790 <INTEREST-EXPENSE> 3,790 <INTEREST-INCOME-NET> 12,270 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,009 <INCOME-PRETAX> 3,466 <INCOME-PRE-EXTRAORDINARY> 3,466 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,991 <EPS-PRIMARY> .47 <EPS-DILUTED> .47 <YIELD-ACTUAL> 3.37 <LOANS-NON> 495 <LOANS-PAST> 43 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 10,160 <ALLOWANCE-OPEN> 3,113 <CHARGE-OFFS> 525 <RECOVERIES> 163 <ALLOWANCE-CLOSE> 3,101 <ALLOWANCE-DOMESTIC> 3,101 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,876