<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
SEC Form 10-QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                            4038
<INT-BEARING-DEPOSITS>                           11403
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       5828
<INVESTMENTS-CARRYING>                            3396
<INVESTMENTS-MARKET>                              3379
<LOANS>                                          86174
<ALLOWANCE>                                        262
<TOTAL-ASSETS>                                  119662
<DEPOSITS>                                       85119
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1212
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                               21
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       33310
<TOTAL-LIABILITIES-AND-EQUITY>                  119662
<INTEREST-LOAN>                                   3411
<INTEREST-INVEST>                                  769
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                  4180
<INTEREST-DEPOSIT>                                1503
<INTEREST-EXPENSE>                                1517
<INTEREST-INCOME-NET>                             2663
<LOAN-LOSSES>                                      110
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   2263
<INCOME-PRETAX>                                    603
<INCOME-PRE-EXTRAORDINARY>                         343
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       343
<EPS-PRIMARY>                                     0.18
<EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                   0.049
<LOANS-NON>                                          0
<LOANS-PAST>                                       227
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   1080
<ALLOWANCE-OPEN>                                   267
<CHARGE-OFFS>                                      118
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  262
<ALLOWANCE-DOMESTIC>                               262
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0