<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             APR-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                       5,723,384
<INT-BEARING-DEPOSITS>                       6,725,000
<FED-FUNDS-SOLD>                             4,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 26,219,593
<INVESTMENTS-CARRYING>                         120,000
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     23,428,150
<ALLOWANCE>                                   (415,773)
<TOTAL-ASSETS>                              70,938,765
<DEPOSITS>                                  64,437,945
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            354,811
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,453,300
<OTHER-SE>                                   1,692,709
<TOTAL-LIABILITIES-AND-EQUITY>              70,938,765
<INTEREST-LOAN>                                583,350
<INTEREST-INVEST>                              596,719
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,180,069
<INTEREST-DEPOSIT>                             303,212
<INTEREST-EXPENSE>                             303,212
<INTEREST-INCOME-NET>                          876,857
<LOAN-LOSSES>                                   44,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                861,390
<INCOME-PRETAX>                                153,892
<INCOME-PRE-EXTRAORDINARY>                     153,892
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    86,792
<EPS-PRIMARY>                                     0.15
<EPS-DILUTED>                                     0.15
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0