<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 6,175,000 <INT-BEARING-DEPOSITS> 4,063,000 <FED-FUNDS-SOLD> 27,720,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,969,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 82,143,000 <ALLOWANCE> 2,235,000 <TOTAL-ASSETS> 138,656,000 <DEPOSITS> 123,733,000 <SHORT-TERM> 7,000 <LIABILITIES-OTHER> 1,691,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332,000 <OTHER-SE> 1,893,000 <TOTAL-LIABILITIES-AND-EQUITY> 138,656,000 <INTEREST-LOAN> 4,434,000 <INTEREST-INVEST> 536,000 <INTEREST-OTHER> 776,000 <INTEREST-TOTAL> 5,746,000 <INTEREST-DEPOSIT> 1,413,000 <INTEREST-EXPENSE> 1,417,000 <INTEREST-INCOME-NET> 4,329,000 <LOAN-LOSSES> 250,000 <SECURITIES-GAINS> (20,000) <EXPENSE-OTHER> 2,939,000 <INCOME-PRETAX> 1,326,000 <INCOME-PRE-EXTRAORDINARY> 978,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 978,000 <EPS-PRIMARY> 0.41 <EPS-DILUTED> 0.39 <YIELD-ACTUAL> 0.089 <LOANS-NON> 318,000 <LOANS-PAST> 2,251,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,000,000 <CHARGE-OFFS> 225,000 <RECOVERIES> 211,000 <ALLOWANCE-CLOSE> 2,235,000 <ALLOWANCE-DOMESTIC> 2,235,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0