<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           6,742
<INT-BEARING-DEPOSITS>                             482
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,792
<INVESTMENTS-CARRYING>                          24,738
<INVESTMENTS-MARKET>                            23,967
<LOANS>                                         72,330
<ALLOWANCE>                                        900
<TOTAL-ASSETS>                                 126,170
<DEPOSITS>                                     113,952
<SHORT-TERM>                                     1,822
<LIABILITIES-OTHER>                                917
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,909
<OTHER-SE>                                         570
<TOTAL-LIABILITIES-AND-EQUITY>                 126,170
<INTEREST-LOAN>                                  3,494
<INTEREST-INVEST>                                1,406
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,900
<INTEREST-DEPOSIT>                               1,981
<INTEREST-EXPENSE>                               1,996
<INTEREST-INCOME-NET>                            2,904
<LOAN-LOSSES>                                      140
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,866
<INCOME-PRETAX>                                  2,257
<INCOME-PRE-EXTRAORDINARY>                       2,257
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,323
<EPS-PRIMARY>                                     1.47
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                    8.78
<LOANS-NON>                                        292
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   752
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                  900
<ALLOWANCE-DOMESTIC>                               900
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            108