<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 3,582,057 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,450,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,233,034 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 76,834,879 <ALLOWANCE> 853,605 <TOTAL-ASSETS> 112,045,854 <DEPOSITS> 98,305,326 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,830,729 <LONG-TERM> 91,540 <PREFERRED-MANDATORY> 2,446,200 <PREFERRED> 0 <COMMON> 2,782,625 <OTHER-SE> 6,589,434 <TOTAL-LIABILITIES-AND-EQUITY> 112,045,854 <INTEREST-LOAN> 4,202,238 <INTEREST-INVEST> 525,920 <INTEREST-OTHER> 89,596 <INTEREST-TOTAL> 4,817,754 <INTEREST-DEPOSIT> 2,133,777 <INTEREST-EXPENSE> 2,169,405 <INTEREST-INCOME-NET> 2,648,349 <LOAN-LOSSES> 75,000 <SECURITIES-GAINS> 14,663 <EXPENSE-OTHER> 2,099,611 <INCOME-PRETAX> 1,198,995 <INCOME-PRE-EXTRAORDINARY> 742,730 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 742,730 <EPS-PRIMARY> 1.16 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.45 <LOANS-NON> 0 <LOANS-PAST> 146,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 868,000 <CHARGE-OFFS> 109,000 <RECOVERIES> 20,000 <ALLOWANCE-CLOSE> 854,000 <ALLOWANCE-DOMESTIC> 854,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0