<ARTICLE> 9
<MULTIPLIER> 1000
<CURRENCY> U.S. DOLLARS
       
                                       
<PERIOD-TYPE>                              6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           14163
<INT-BEARING-DEPOSITS>                            1606
<FED-FUNDS-SOLD>                                  5500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      42843
<INVESTMENTS-CARRYING>                            6144
<INVESTMENTS-MARKET>                              6117
<LOANS>                                         125787
<ALLOWANCE>                                       2531
<TOTAL-ASSETS>                                  205192
<DEPOSITS>                                      185790
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1674
<LONG-TERM>                                        537
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         21009
<OTHER-SE>                                      (3818)
<TOTAL-LIABILITIES-AND-EQUITY>                  205192
<INTEREST-LOAN>                                   4684
<INTEREST-INVEST>                                  959
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                  5643
<INTEREST-DEPOSIT>                                2021
<INTEREST-EXPENSE>                                2052
<INTEREST-INCOME-NET>                             3591
<LOAN-LOSSES>                                      127
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   3602
<INCOME-PRETAX>                                    361
<INCOME-PRE-EXTRAORDINARY>                         361
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       223
<EPS-PRIMARY>                                      .08
<EPS-DILUTED>                                      .08
<YIELD-ACTUAL>                                     8.9
<LOANS-NON>                                       5614
<LOANS-PAST>                                        14
<LOANS-TROUBLED>                                  2505
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   639
<CHARGE-OFFS>                                       69
<RECOVERIES>                                        91
<ALLOWANCE-CLOSE>                                 2531
<ALLOWANCE-DOMESTIC>                              2531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0