<ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <EXCHANGE-RATE> 1 <CASH> 20,164,000 <INT-BEARING-DEPOSITS> 99,000 <FED-FUNDS-SOLD> 9,500,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,575,000 <INVESTMENTS-CARRYING> 7,462,000 <INVESTMENTS-MARKET> 7,234,000 <LOANS> 191,683,000 <ALLOWANCE> 3,025,000 <TOTAL-ASSETS> 269,958,000 <DEPOSITS> 245,103,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,678,000 <LONG-TERM> 4,575,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,000 <OTHER-SE> 18,599,000 <TOTAL-LIABILITIES-AND-EQUITY> 269,958,000 <INTEREST-LOAN> 4,992,000 <INTEREST-INVEST> 530,000 <INTEREST-OTHER> 109,000 <INTEREST-TOTAL> 5,631,000 <INTEREST-DEPOSIT> 1,496,000 <INTEREST-EXPENSE> 1,618,000 <INTEREST-INCOME-NET> 4,013,000 <LOAN-LOSSES> 150,000 <SECURITIES-GAINS> (110,000) <EXPENSE-OTHER> 3,906,000 <INCOME-PRETAX> 530,000 <INCOME-PRE-EXTRAORDINARY> 530,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,508,000 <EPS-PRIMARY> .55 <EPS-DILUTED> .48 <YIELD-ACTUAL> 6.85 <LOANS-NON> 1,239,000 <LOANS-PAST> 590,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,013,000 <CHARGE-OFFS> 456,000 <RECOVERIES> 278,000 <ALLOWANCE-CLOSE> 3,025,000 <ALLOWANCE-DOMESTIC> 3,025,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0