<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>