<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-mos <FISCAL-YEAR-END> Dec-31-1996 <PERIOD-START> Jan-01-1996 <PERIOD-END> Jun-30-1996 <CASH> 7,868 <INT-BEARING-DEPOSITS> 146 <FED-FUNDS-SOLD> 125 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,738 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 160,907 <ALLOWANCE> (4,116) <TOTAL-ASSETS> 287,554 <DEPOSITS> 245,462 <SHORT-TERM> 2,854 <LIABILITIES-OTHER> 2,649 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 586 <OTHER-SE> 34,854 <TOTAL-LIABILITIES-AND-EQUITY> 287,554 <INTEREST-LOAN> 3,650 <INTEREST-INVEST> 718 <INTEREST-OTHER> 614 <INTEREST-TOTAL> 4,982 <INTEREST-DEPOSIT> 2,279 <INTEREST-EXPENSE> 2,452 <INTEREST-INCOME-NET> 2,530 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,994 <INCOME-PRETAX> 722 <INCOME-PRE-EXTRAORDINARY> 722 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 438 <EPS-PRIMARY> .11 <EPS-DILUTED> .11 <YIELD-ACTUAL> 7.55 <LOANS-NON> 453 <LOANS-PAST> 549 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,060 <ALLOWANCE-OPEN> 5,228 <CHARGE-OFFS> (2,049) <RECOVERIES> 587 <ALLOWANCE-CLOSE> 4,116 <ALLOWANCE-DOMESTIC> 4,116 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0