<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