<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 5,934 <INT-BEARING-DEPOSITS> 1,631 <FED-FUNDS-SOLD> 7,627 <TRADING-ASSETS> 934 <INVESTMENTS-HELD-FOR-SALE> 27,801 <INVESTMENTS-CARRYING> 27,801 <INVESTMENTS-MARKET> 27,801 <LOANS> 106,767 <ALLOWANCE> 1,519 <TOTAL-ASSETS> 154,949 <DEPOSITS> 136,173 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,685 <LONG-TERM> 2,340 <COMMON> 204 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 14,751 <TOTAL-LIABILITIES-AND-EQUITY> 154,949 <INTEREST-LOAN> 4,769 <INTEREST-INVEST> 928 <INTEREST-OTHER> 203 <INTEREST-TOTAL> 5,900 <INTEREST-DEPOSIT> 2,472 <INTEREST-EXPENSE> 2,546 <INTEREST-INCOME-NET> 3,354 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 2,285 <INCOME-PRETAX> 1,506 <INCOME-PRE-EXTRAORDINARY> 1,072 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,072 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> 4.87 <LOANS-NON> 48 <LOANS-PAST> 80 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,433 <CHARGE-OFFS> 45 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 1,519 <ALLOWANCE-DOMESTIC> 1,519 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0