<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
FORM 10-Q FOR QUARTER ENDED JUNE 30, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                           11486                   11486
<INT-BEARING-DEPOSITS>                            3322                    3322
<FED-FUNDS-SOLD>                                 30115                   30115
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      28957                   28957
<INVESTMENTS-CARRYING>                            5887                    5887
<INVESTMENTS-MARKET>                              5827                    5827
<LOANS>                                         100772                  100772
<ALLOWANCE>                                       1519                    1519
<TOTAL-ASSETS>                                  191797                  191797
<DEPOSITS>                                      160794                  160794
<SHORT-TERM>                                      5970                    5970
<LIABILITIES-OTHER>                                377                     377
<LONG-TERM>                                       7922                    7922
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         20301                   20301
<OTHER-SE>                                      (3376)                  (3376)
<TOTAL-LIABILITIES-AND-EQUITY>                  191797                  191797
<INTEREST-LOAN>                                   2414                    4690
<INTEREST-INVEST>                                  495                     979
<INTEREST-OTHER>                                   285                     589
<INTEREST-TOTAL>                                  3194                    6258
<INTEREST-DEPOSIT>                                 869                    1683
<INTEREST-EXPENSE>                                 905                    1769
<INTEREST-INCOME-NET>                             2289                    4489
<LOAN-LOSSES>                                        0                   (100)
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                   2614                    5301
<INCOME-PRETAX>                                    113                     219
<INCOME-PRE-EXTRAORDINARY>                         113                     219
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       109                     211
<EPS-PRIMARY>                                     0.04                    0.07
<EPS-DILUTED>                                     0.04                    0.07
<YIELD-ACTUAL>                                    5.45                    5.40
<LOANS-NON>                                       4209                    4209
<LOANS-PAST>                                       555                     555
<LOANS-TROUBLED>                                  4043                    4043
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1650                    2002
<CHARGE-OFFS>                                      137                     400
<RECOVERIES>                                         6                      17
<ALLOWANCE-CLOSE>                                 1519                    1519
<ALLOWANCE-DOMESTIC>                              1029                    1029
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            490                     490