<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 7,354 <INT-BEARING-DEPOSITS> 349 <FED-FUNDS-SOLD> 4,650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,220 <INVESTMENTS-CARRYING> 54,294 <INVESTMENTS-MARKET> 54,161 <LOANS> 157,318 <ALLOWANCE> 2,133 <TOTAL-ASSETS> 237,933 <DEPOSITS> 205,845 <SHORT-TERM> 4,460 <LIABILITIES-OTHER> 2,612 <LONG-TERM> 2,582 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 90 <OTHER-SE> 22,344 <TOTAL-LIABILITIES-AND-EQUITY> 237,933 <INTEREST-LOAN> 7,008 <INTEREST-INVEST> 1,695 <INTEREST-OTHER> 99 <INTEREST-TOTAL> 8,802 <INTEREST-DEPOSIT> 3,683 <INTEREST-EXPENSE> 3,944 <INTEREST-INCOME-NET> 4,858 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,738 <INCOME-PRETAX> 1,342 <INCOME-PRE-EXTRAORDINARY> 1,342 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,041 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.20 <YIELD-ACTUAL> 4.76 <LOANS-NON> 4,101 <LOANS-PAST> 1,573 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,125 <CHARGE-OFFS> 418 <RECOVERIES> 76 <ALLOWANCE-CLOSE> 2,133 <ALLOWANCE-DOMESTIC> 2,133 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 119