<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