<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> 5,800 <INT-BEARING-DEPOSITS> 4,158 <FED-FUNDS-SOLD> 5,370 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 530 <INVESTMENTS-CARRYING> 1,725 <INVESTMENTS-MARKET> 1,727 <LOANS> 79,946 <ALLOWANCE> 1,449 <TOTAL-ASSETS> 99,806 <DEPOSITS> 91,655 <SHORT-TERM> 0 <LIABILITIES-OTHER> 312 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,915 <OTHER-SE> 924 <TOTAL-LIABILITIES-AND-EQUITY> 99,806 <INTEREST-LOAN> 4,185 <INTEREST-INVEST> 54 <INTEREST-OTHER> 339 <INTEREST-TOTAL> 4,578 <INTEREST-DEPOSIT> 1,384 <INTEREST-EXPENSE> 1,384 <INTEREST-INCOME-NET> 3,194 <LOAN-LOSSES> 179 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,451 <INCOME-PRETAX> 975 <INCOME-PRE-EXTRAORDINARY> 975 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 580 <EPS-PRIMARY> 0.77 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 9.98 <LOANS-NON> 1,705 <LOANS-PAST> 296 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,325 <CHARGE-OFFS> 55 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,449 <ALLOWANCE-DOMESTIC> 1,449 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 156