<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       4,742,097
<INT-BEARING-DEPOSITS>                      21,731,452
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                        13,006,047
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<ALLOWANCE>                                    768,387
<TOTAL-ASSETS>                              89,880,513
<DEPOSITS>                                  78,596,363
<SHORT-TERM>                                         0
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<INTEREST-LOAN>                              1,648,882
<INTEREST-INVEST>                              247,315
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<INTEREST-DEPOSIT>                             737,778
<INTEREST-EXPENSE>                             737,778
<INTEREST-INCOME-NET>                        1,203,270
<LOAN-LOSSES>                                  111,000
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<EXPENSE-OTHER>                                638,486
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<EPS-PRIMARY>                                      .69
<EPS-DILUTED>                                      .69
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