<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> 12,024 <INT-BEARING-DEPOSITS> 185,370 <FED-FUNDS-SOLD> 36,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,855 <INVESTMENTS-CARRYING> 2,397 <INVESTMENTS-MARKET> 2,397 <LOANS> 147,967 <ALLOWANCE> 1,933 <TOTAL-ASSETS> 251,412 <DEPOSITS> 227,134 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,480 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,966 <OTHER-SE> 6,832 <TOTAL-LIABILITIES-AND-EQUITY> 22,798 <INTEREST-LOAN> 7,041 <INTEREST-INVEST> 1,382 <INTEREST-OTHER> 709 <INTEREST-TOTAL> 9,132 <INTEREST-DEPOSIT> 3,420 <INTEREST-EXPENSE> 3,420 <INTEREST-INCOME-NET> 5,712 <LOAN-LOSSES> 220 <SECURITIES-GAINS> (97) <EXPENSE-OTHER> 3,112 <INCOME-PRETAX> 2,659 <INCOME-PRE-EXTRAORDINARY> 2,659 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,571 <EPS-PRIMARY> .99 <EPS-DILUTED> .49 <YIELD-ACTUAL> 8.65 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,716 <CHARGE-OFFS> 3 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,933 <ALLOWANCE-DOMESTIC> 1,933 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0