<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <EXCHANGE-RATE> 1 <CASH> 14,684 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 23,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15,692 <INVESTMENTS-CARRYING> 7,655 <INVESTMENTS-MARKET> 7,626 <LOANS> 132,858 <ALLOWANCE> 2,870 <TOTAL-ASSETS> 198,489 <DEPOSITS> 182,605 <SHORT-TERM> 0 <LIABILITIES-OTHER> 963 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,963 <OTHER-SE> 958 <TOTAL-LIABILITIES-AND-EQUITY> 198,489 <INTEREST-LOAN> 6,099 <INTEREST-INVEST> 806 <INTEREST-OTHER> 387 <INTEREST-TOTAL> 7,292 <INTEREST-DEPOSIT> 1,409 <INTEREST-EXPENSE> 1,413 <INTEREST-INCOME-NET> 5,879 <LOAN-LOSSES> 444 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,293 <INCOME-PRETAX> 740 <INCOME-PRE-EXTRAORDINARY> 740 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 461 <EPS-PRIMARY> .32 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 6,558 <LOANS-PAST> 47 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,003 <CHARGE-OFFS> 593 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 2,870 <ALLOWANCE-DOMESTIC> 2,870 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0