<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 16,014 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 13,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 8,577 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 99,588 <ALLOWANCE> 2,175 <TOTAL-ASSETS> 194,368 <DEPOSITS> 173,883 <SHORT-TERM> 795 <LIABILITIES-OTHER> 2,953 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,990 <OTHER-SE> 747 <TOTAL-LIABILITIES-AND-EQUITY> 194,368 <INTEREST-LOAN> 6,392 <INTEREST-INVEST> 222 <INTEREST-OTHER> 116 <INTEREST-TOTAL> 6,730 <INTEREST-DEPOSIT> 1,890 <INTEREST-EXPENSE> 1,915 <INTEREST-INCOME-NET> 4,815 <LOAN-LOSSES> 600 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,361 <INCOME-PRETAX> 1,977 <INCOME-PRE-EXTRAORDINARY> 1,977 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,750 <EPS-PRIMARY> .76 <EPS-DILUTED> .76 <YIELD-ACTUAL> .061 <LOANS-NON> 10,423 <LOANS-PAST> 226 <LOANS-TROUBLED> 3,238 <LOANS-PROBLEM> 14,848 <ALLOWANCE-OPEN> 2,658 <CHARGE-OFFS> 1,119 <RECOVERIES> 36 <ALLOWANCE-CLOSE> 2,175 <ALLOWANCE-DOMESTIC> 2,175 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0