<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   9-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             JUN-30-1996
<CASH>                                           8,455                   4,511                   7,795
<INT-BEARING-DEPOSITS>                               0                       0                       0
<FED-FUNDS-SOLD>                                   700                     500                       0
<TRADING-ASSETS>                                 2,430                     250                     456
<INVESTMENTS-HELD-FOR-SALE>                    105,515                 101,495                 107,886
<INVESTMENTS-CARRYING>                          44,097                  36,509                  36,664
<INVESTMENTS-MARKET>                            43,974                  36,108                  36,160
<LOANS>                                        252,144                 252,020                 244,448
<ALLOWANCE>                                    (4,875)                 (4,961)                 (4,903)
<TOTAL-ASSETS>                                 419,398                 402,397                 405,761
<DEPOSITS>                                     309,827                 299,115                 301,822
<SHORT-TERM>                                    42,819                  38,686                  42,776
<LIABILITIES-OTHER>                              2,274                   3,188                   3,587
<LONG-TERM>                                     20,060                  17,760                  14,760
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         2,768                   2,756                   2,730
<OTHER-SE>                                      39,963                  40,892                  40,106
<TOTAL-LIABILITIES-AND-EQUITY>                 419,398                 402,397                 405,761
<INTEREST-LOAN>                                 21,123                  15,663                  10,303
<INTEREST-INVEST>                                8,433                   6,230                   4,083
<INTEREST-OTHER>                                   371                     327                     254
<INTEREST-TOTAL>                                29,927                  22,220                  14,640
<INTEREST-DEPOSIT>                              12,176                   9,075                   6,042
<INTEREST-EXPENSE>                              15,173                  11,252                   7,420
<INTEREST-INCOME-NET>                           14,754                  10,968                   7,220
<LOAN-LOSSES>                                      435                     300                     175
<SECURITIES-GAINS>                                 344                     307                     242
<EXPENSE-OTHER>                                  8,599                   6,404                   4,289
<INCOME-PRETAX>                                  7,405                   5,570                   3,677
<INCOME-PRE-EXTRAORDINARY>                       7,405                   5,570                   3,677
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     5,024                   3,757                   2,474
<EPS-PRIMARY>                                     0.94                    0.69                    0.46
<EPS-DILUTED>                                     0.89                    0.66                    0.44
<YIELD-ACTUAL>                                    7.67                    7.65                    7.62
<LOANS-NON>                                      2,939                   3,813                   3,850
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                   1,280                       0
<LOANS-PROBLEM>                                  6,505                  11,711                  11,909
<ALLOWANCE-OPEN>                                 5,488                   5,488                   5,488
<CHARGE-OFFS>                                    1,213                     964                     834
<RECOVERIES>                                       165                     137                      74
<ALLOWANCE-CLOSE>                                4,875                   4,961                   4,903
<ALLOWANCE-DOMESTIC>                             3,276                   3,488                   3,104
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          1,599                   1,475                   1,799



</TABLE>