<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