<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> 4,785 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,840 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,305 <INVESTMENTS-CARRYING> 8,630 <INVESTMENTS-MARKET> 8,510 <LOANS> 125,306 <ALLOWANCE> 1,871 <TOTAL-ASSETS> 179,802 <DEPOSITS> 138,607 <SHORT-TERM> 997 <LIABILITIES-OTHER> 1,421 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 978 <OTHER-SE> 37,617 <TOTAL-LIABILITIES-AND-EQUITY> 179,802 <INTEREST-LOAN> 6,129 <INTEREST-INVEST> 921 <INTEREST-OTHER> 180 <INTEREST-TOTAL> 7,230 <INTEREST-DEPOSIT> 3,082 <INTEREST-EXPENSE> 3,249 <INTEREST-INCOME-NET> 3,981 <LOAN-LOSSES> 188 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,708 <INCOME-PRETAX> 1,737 <INCOME-PRE-EXTRAORDINARY> 1,737 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,245 <EPS-PRIMARY> .53 <EPS-DILUTED> .53 <YIELD-ACTUAL> 5.40<F1> <LOANS-NON> 705 <LOANS-PAST> 899 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,735 <CHARGE-OFFS> 139 <RECOVERIES> 87 <ALLOWANCE-CLOSE> 1,871 <ALLOWANCE-DOMESTIC> 1,871 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>Computed on a tax-equivalent basis </FN>