<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 7,929 <INT-BEARING-DEPOSITS> 4,158 <FED-FUNDS-SOLD> 16,550 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 2,277 <LOANS> 79,695 <ALLOWANCE> (1,405) <TOTAL-ASSETS> 113,827 <DEPOSITS> 105,417 <SHORT-TERM> 0 <LIABILITIES-OTHER> 61 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,915 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 113,827 <INTEREST-LOAN> 8,277 <INTEREST-INVEST> 896 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,173 <INTEREST-DEPOSIT> 230 <INTEREST-EXPENSE> 2,814 <INTEREST-INCOME-NET> 5,809 <LOAN-LOSSES> 550 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,099 <INCOME-PRETAX> 1,516 <INCOME-PRE-EXTRAORDINARY> 1,516 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 902 <EPS-PRIMARY> 1.196 <EPS-DILUTED> 0.982 <YIELD-ACTUAL> 9.740 <LOANS-NON> 3,480 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,325 <CHARGE-OFFS> 544 <RECOVERIES> 74 <ALLOWANCE-CLOSE> 1,405 <ALLOWANCE-DOMESTIC> 1,405 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0