<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 11,927 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 6,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,096 <INVESTMENTS-CARRYING> 10,348 <INVESTMENTS-MARKET> 10,365 <LOANS> 63,815 <ALLOWANCE> (1,694) <TOTAL-ASSETS> 98,332 <DEPOSITS> 88,452 <SHORT-TERM> 500 <LIABILITIES-OTHER> 710 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,125 <OTHER-SE> 4,545 <TOTAL-LIABILITIES-AND-EQUITY> 98,332 <INTEREST-LOAN> 1,792 <INTEREST-INVEST> 195 <INTEREST-OTHER> 70 <INTEREST-TOTAL> 2,057 <INTEREST-DEPOSIT> 625 <INTEREST-EXPENSE> 632 <INTEREST-INCOME-NET> 1,425 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,407 <INCOME-PRETAX> 597 <INCOME-PRE-EXTRAORDINARY> 597 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 347 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.37 <YIELD-ACTUAL> 6.89 <LOANS-NON> 1,580 <LOANS-PAST> 3 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,694 <CHARGE-OFFS> 68 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 1,694 <ALLOWANCE-DOMESTIC> 1,694 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0