<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 5433200 <INT-BEARING-DEPOSITS> 994000 <FED-FUNDS-SOLD> 16500000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1067000 <INVESTMENTS-CARRYING> 6347300 <INVESTMENTS-MARKET> 0 <LOANS> 50317900 <ALLOWANCE> (554000) <TOTAL-ASSETS> 83678000 <DEPOSITS> 79187200 <SHORT-TERM> 0 <LIABILITIES-OTHER> 516600 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8080000 <OTHER-SE> (4105800) <TOTAL-LIABILITIES-AND-EQUITY> 83678000 <INTEREST-LOAN> 2100100 <INTEREST-INVEST> 254600 <INTEREST-OTHER> 346500 <INTEREST-TOTAL> 2701200 <INTEREST-DEPOSIT> 584900 <INTEREST-EXPENSE> 0 <INTEREST-INCOME-NET> 2166300 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2233800 <INCOME-PRETAX> 900 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 900 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 6.0 <LOANS-NON> 2411000 <LOANS-PAST> 0 <LOANS-TROUBLED> 3773500 <LOANS-PROBLEM> 121000 <ALLOWANCE-OPEN> 720000 <CHARGE-OFFS> 176000 <RECOVERIES> 10000 <ALLOWANCE-CLOSE> 554000 <ALLOWANCE-DOMESTIC> 554000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 433000