<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      6-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Jun-30-1996
<CASH>                                                       37888
<INT-BEARING-DEPOSITS>                                         300
<FED-FUNDS-SOLD>                                             36325
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 174868
<INVESTMENTS-CARRYING>                                        1047
<INVESTMENTS-MARKET>                                          1055
<LOANS>                                                     798364
<ALLOWANCE>                                                  14270
<TOTAL-ASSETS>                                             1079865
<DEPOSITS>                                                  812142
<SHORT-TERM>                                                 50750
<LIABILITIES-OTHER>                                          12624
<LONG-TERM>                                                  32000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4706
<OTHER-SE>                                                   83865
<TOTAL-LIABILITIES-AND-EQUITY>                                   0
<INTEREST-LOAN>                                              35687
<INTEREST-INVEST>                                             5083
<INTEREST-OTHER>                                              1092
<INTEREST-TOTAL>                                             41862
<INTEREST-DEPOSIT>                                           15638
<INTEREST-EXPENSE>                                           19056
<INTEREST-INCOME-NET>                                        22806
<LOAN-LOSSES>                                                 1599
<SECURITIES-GAINS>                                              78
<EXPENSE-OTHER>                                              17099
<INCOME-PRETAX>                                               7613
<INCOME-PRE-EXTRAORDINARY>                                    2717
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  2717
<EPS-PRIMARY>                                                 1.01
<EPS-DILUTED>                                                 0.96
<YIELD-ACTUAL>                                                4.61
<LOANS-NON>                                                  14115
<LOANS-PAST>                                                  5279
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             14991
<CHARGE-OFFS>                                                 2496
<RECOVERIES>                                                   176
<ALLOWANCE-CLOSE>                                            14270
<ALLOWANCE-DOMESTIC>                                         14270
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>