<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