<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           1,319
<INT-BEARING-DEPOSITS>                           7,916
<FED-FUNDS-SOLD>                                   570
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,723
<INVESTMENTS-CARRYING>                           7,736
<INVESTMENTS-MARKET>                             7,780
<LOANS>                                         82,992
<ALLOWANCE>                                        511
<TOTAL-ASSETS>                                 105,807
<DEPOSITS>                                      66,564
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,875
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        24,135
<OTHER-SE>                                      13,233
<TOTAL-LIABILITIES-AND-EQUITY>                 105,807
<INTEREST-LOAN>                                  6,662
<INTEREST-INVEST>                                  654
<INTEREST-OTHER>                                   692
<INTEREST-TOTAL>                                 8,008
<INTEREST-DEPOSIT>                               3,604
<INTEREST-EXPENSE>                               3,610
<INTEREST-INCOME-NET>                            4,398
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,123
<INCOME-PRETAX>                                  2,339
<INCOME-PRE-EXTRAORDINARY>                       1,481
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,481
<EPS-PRIMARY>                                     0.82
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.32
<LOANS-NON>                                          0
<LOANS-PAST>                                       423
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   462
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  511
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            511