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<PAGE> 1
THIS IS A BOWNE TEST
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS' FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED JUNE 30, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<CASH> 17,680
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 11,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,497
<INVESTMENTS-CARRYING> 46,988
<INVESTMENTS-MARKET> 46,784
<LOANS> 205,208
<ALLOWANCE> 3,053
<TOTAL-ASSETS> 288,335
<DEPOSITS> 258,698
<SHORT-TERM> 1,000
<LIABILITIES-OTHER> 1,249
<LONG-TERM> 0
0
0
<COMMON> 711
<OTHER-SE> 26,677
<TOTAL-LIABILITIES-AND-EQUITY> 288,335
<INTEREST-LOAN> 9,483
<INTEREST-INVEST> 1,335
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,249
<INTEREST-DEPOSIT> 3,464
<INTEREST-EXPENSE> 3,484
<INTEREST-INCOME-NET> 7,765
<LOAN-LOSSES> 450
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,331
<INCOME-PRETAX> 470
<INCOME-PRE-EXTRAORDINARY> 302
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 302
<EPS-PRIMARY> .42
<EPS-DILUTED> .42
<YIELD-ACTUAL> 5.77
<LOANS-NON> 3,168
<LOANS-PAST> 1,008
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,096
<CHARGE-OFFS> 617
<RECOVERIES> 124
<ALLOWANCE-CLOSE> 3,053
<ALLOWANCE-DOMESTIC> 3,053
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 566
</TABLE>
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