<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