<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             APR-01-1996             JAN-01-1996
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                       4,901,000               4,901,000
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             1,500,000               1,500,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 30,894,000              30,894,000
<INVESTMENTS-CARRYING>                       2,038,000               2,038,000
<INVESTMENTS-MARKET>                         2,137,000               2,137,000
<LOANS>                                     56,123,000              56,123,000
<ALLOWANCE>                                  1,168,000               1,168,000
<TOTAL-ASSETS>                             103,712,000             103,712,000
<DEPOSITS>                                  89,070,000              89,070,000
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            523,000                 523,000
<LONG-TERM>                                  2,568,000               2,568,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     7,314,000               7,314,000
<OTHER-SE>                                   4,237,000               4,237,000
<TOTAL-LIABILITIES-AND-EQUITY>             103,712,000             103,712,000
<INTEREST-LOAN>                              1,387,000               2,731,000
<INTEREST-INVEST>                              537,000               1,071,000
<INTEREST-OTHER>                                44,000                 106,000
<INTEREST-TOTAL>                             1,968,000               3,908,000
<INTEREST-DEPOSIT>                             747,000               1,506,000
<INTEREST-EXPENSE>                             816,000               1,644,000
<INTEREST-INCOME-NET>                        1,152,000               2,264,000
<LOAN-LOSSES>                                  130,000                 185,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,075,000               2,180,000
<INCOME-PRETAX>                                217,000                 398,000
<INCOME-PRE-EXTRAORDINARY>                     217,000                 398,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   162,000                 290,000
<EPS-PRIMARY>                                      .12                     .22
<EPS-DILUTED>                                      .12                     .22
<YIELD-ACTUAL>                                    4.98                    4.91
<LOANS-NON>                                  1,532,000               1,532,000
<LOANS-PAST>                                   808,000                 808,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               987,000                 959,000
<CHARGE-OFFS>                                   10,000                 110,000
<RECOVERIES>                                    61,000                 134,000
<ALLOWANCE-CLOSE>                            1,168,000               1,168,000
<ALLOWANCE-DOMESTIC>                         1,168,000               1,168,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        588,000                 588,000