<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of operations found on
pages 48 and 49 of the company's form 10-K for the year.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                             629
<INT-BEARING-DEPOSITS>                           4,837
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,764
<INVESTMENTS-CARRYING>                           6,291
<INVESTMENTS-MARKET>                             6,273
<LOANS>                                        112,547
<ALLOWANCE>                                      1,533
<TOTAL-ASSETS>                                 139,582
<DEPOSITS>                                     106,119
<SHORT-TERM>                                    19,800
<LIABILITIES-OTHER>                              1,498
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            23
<OTHER-SE>                                       7,142
<TOTAL-LIABILITIES-AND-EQUITY>                 139,582
<INTEREST-LOAN>                                  9,039
<INTEREST-INVEST>                                  675
<INTEREST-OTHER>                                   222
<INTEREST-TOTAL>                                 9,937
<INTEREST-DEPOSIT>                               5,760
<INTEREST-EXPENSE>                               1,277
<INTEREST-INCOME-NET>                            2,899
<LOAN-LOSSES>                                      280
<SECURITIES-GAINS>                                (12)
<EXPENSE-OTHER>                                  4,224
<INCOME-PRETAX>                                (1,190)
<INCOME-PRE-EXTRAORDINARY>                     (1,190)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (977)
<EPS-PRIMARY>                                    (.43)
<EPS-DILUTED>                                    (.43)
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                        991
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,953
<ALLOWANCE-OPEN>                                 2,061
<CHARGE-OFFS>                                    1,223
<RECOVERIES>                                       267
<ALLOWANCE-CLOSE>                                1,533
<ALLOWANCE-DOMESTIC>                             1,533
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0