<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 3,668 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,080 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59,060 <INVESTMENTS-CARRYING> 59,060 <INVESTMENTS-MARKET> 59,060 <LOANS> 117,618 <ALLOWANCE> 1,383 <TOTAL-ASSETS> 195,085 <DEPOSITS> 177,439 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,373 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 16,073 <TOTAL-LIABILITIES-AND-EQUITY> 195,085 <INTEREST-LOAN> 4,997 <INTEREST-INVEST> 1,951 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,948 <INTEREST-DEPOSIT> 3,775 <INTEREST-EXPENSE> 3,775 <INTEREST-INCOME-NET> 3,173 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,661 <INCOME-PRETAX> 1,043 <INCOME-PRE-EXTRAORDINARY> 1,043 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 794 <EPS-PRIMARY> 2.13 <EPS-DILUTED> 2.13 <YIELD-ACTUAL> 7.95 <LOANS-NON> 1,241 <LOANS-PAST> 34 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,227 <ALLOWANCE-OPEN> 1,349 <CHARGE-OFFS> 153 <RECOVERIES> 37 <ALLOWANCE-CLOSE> 1,383 <ALLOWANCE-DOMESTIC> 1,383 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0