<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> APR-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 27,672 <INT-BEARING-DEPOSITS> 2,257 <FED-FUNDS-SOLD> 23,918 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 89,578 <INVESTMENTS-MARKET> 89,327 <LOANS> 207,186 <ALLOWANCE> 4,406 <TOTAL-ASSETS> 354,184 <DEPOSITS> 319,269 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,557 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,920 <OTHER-SE> 7,418 <TOTAL-LIABILITIES-AND-EQUITY> 0 <INTEREST-LOAN> 5,496 <INTEREST-INVEST> 1,350 <INTEREST-OTHER> 381 <INTEREST-TOTAL> 7,227 <INTEREST-DEPOSIT> 2,411 <INTEREST-EXPENSE> 2,411 <INTEREST-INCOME-NET> 4,816 <LOAN-LOSSES> 139 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,793 <INCOME-PRETAX> 2,186 <INCOME-PRE-EXTRAORDINARY> 2,186 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,578 <EPS-PRIMARY> 0.51 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 6.00 <LOANS-NON> 219 <LOANS-PAST> 89 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,390 <CHARGE-OFFS> 153 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 4,406 <ALLOWANCE-DOMESTIC> 4,406 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0