<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               JUN-30-1997             JUN-30-1996
<CASH>                                            3510                    2767
<INT-BEARING-DEPOSITS>                              38                      74
<FED-FUNDS-SOLD>                                     0                    8900
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      31668                   30997
<INVESTMENTS-CARRYING>                           29252                   29866
<INVESTMENTS-MARKET>                             28772                   29517
<LOANS>                                          57488                   57419
<ALLOWANCE>                                        800                     750
<TOTAL-ASSETS>                                  127785                  134951
<DEPOSITS>                                      105497                  115854
<SHORT-TERM>                                      8000                    5175
<LIABILITIES-OTHER>                               1103                    3886
<LONG-TERM>                                       3749                    1749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                     727
<COMMON>                                          2051                    2051
<OTHER-SE>                                        5835                    5509
<TOTAL-LIABILITIES-AND-EQUITY>                  127785                  134951
<INTEREST-LOAN>                                   2535                    2245
<INTEREST-INVEST>                                 2198                    2037
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  4733                    4282
<INTEREST-DEPOSIT>                                1924                    1523
<INTEREST-EXPENSE>                                 207                     151
<INTEREST-INCOME-NET>                             2602                    2608
<LOAN-LOSSES>                                       50                      33
<SECURITIES-GAINS>                                  40                       9
<EXPENSE-OTHER>                                   2389                    2328
<INCOME-PRETAX>                                    792                     868
<INCOME-PRE-EXTRAORDINARY>                         792                     868
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       505                     565
<EPS-PRIMARY>                                     4.04                    4.96
<EPS-DILUTED>                                     3.65                    4.47
<YIELD-ACTUAL>                                    4.09                    4.47
<LOANS-NON>                                        711                     536
<LOANS-PAST>                                      2371                    3140
<LOANS-TROUBLED>                                   231                     351
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   750                     700
<CHARGE-OFFS>                                       29                      84
<RECOVERIES>                                        29                      67
<ALLOWANCE-CLOSE>                                  800                     750
<ALLOWANCE-DOMESTIC>                               683                     570
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            117                     130
        




</TABLE>