<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 20,114 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 135,791 <INVESTMENTS-CARRYING> 25,706 <INVESTMENTS-MARKET> 26,908 <LOANS> 323,527 <ALLOWANCE> 3,901 <TOTAL-ASSETS> 527,652 <DEPOSITS> 422,386 <SHORT-TERM> 26,744 <LIABILITIES-OTHER> 2,632 <LONG-TERM> 0 <COMMON> 16,724 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 59,166 <TOTAL-LIABILITIES-AND-EQUITY> 527,652 <INTEREST-LOAN> 14,433 <INTEREST-INVEST> 4,579 <INTEREST-OTHER> 753 <INTEREST-TOTAL> 19,765 <INTEREST-DEPOSIT> 6,748 <INTEREST-EXPENSE> 7,305 <INTEREST-INCOME-NET> 12,460 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 358 <EXPENSE-OTHER> 6,504 <INCOME-PRETAX> 8,091 <INCOME-PRE-EXTRAORDINARY> 5,748 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,748 <EPS-PRIMARY> 1.13 <EPS-DILUTED> 1.13 <YIELD-ACTUAL> 8.23 <LOANS-NON> 4,742 <LOANS-PAST> 591 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,741 <CHARGE-OFFS> 323 <RECOVERIES> 83 <ALLOWANCE-CLOSE> 3,901 <ALLOWANCE-DOMESTIC> 3,399 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 502