<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