<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 3,701 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,925 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,348 <INVESTMENTS-CARRYING> 28,425 <INVESTMENTS-MARKET> 6,943 <LOANS> 43,762 <ALLOWANCE> 5,663 <TOTAL-ASSETS> 104,001 <DEPOSITS> 91,166 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,771 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 111 <COMMON> 288 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 104,001 <INTEREST-LOAN> 4,242 <INTEREST-INVEST> 3,000 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,242 <INTEREST-DEPOSIT> 3,124 <INTEREST-EXPENSE> 3 <INTEREST-INCOME-NET> 4,115 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,328 <INCOME-PRETAX> 444 <INCOME-PRE-EXTRAORDINARY> 444 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 702 <EPS-PRIMARY> 0.12 <EPS-DILUTED> 0.03 <YIELD-ACTUAL> 4.4 <LOANS-NON> 3,400 <LOANS-PAST> 0 <LOANS-TROUBLED> 4,109 <LOANS-PROBLEM> 212 <ALLOWANCE-OPEN> 5,912 <CHARGE-OFFS> 646 <RECOVERIES> 397 <ALLOWANCE-CLOSE> 5,663 <ALLOWANCE-DOMESTIC> 5,663 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0