<ARTICLE>                                              9
<MULTIPLIER>                                        1000
       
                                                 
<PERIOD-TYPE>                           6-MOS          YEAR
<FISCAL-YEAR-END>                       DEC-31-1996    DEC-31-1995
<PERIOD-END>                            JUN-30-1996    DEC-31-1995
<CASH>                                    1,252          1,876
<INT-BEARING-DEPOSITS>                    2,457          7,116
<FED-FUNDS-SOLD>                              0              0
<TRADING-ASSETS>                              0              0
<INVESTMENTS-HELD-FOR-SALE>               7,787          9,564
<INVESTMENTS-CARRYING>                    4,800          4,199
<INVESTMENTS-MARKET>                          0              0
<LOANS>                                 173,831        171,364
<ALLOWANCE>                                 584            512
<TOTAL-ASSETS>                          191,787        195,158
<DEPOSITS>                              147,792        146,686
<SHORT-TERM>                             14,500         10,500
<LIABILITIES-OTHER>                       1,735          1,620
<LONG-TERM>                                   0          7,500
<PREFERRED-MANDATORY>                         0              0
<PREFERRED>                                   0              0
<COMMON>                                    219            219
<OTHER-SE>                               27,541         28,633
<TOTAL-LIABILITIES-AND-EQUITY>          191,787        195,158
<INTEREST-LOAN>                           6,584         12,571
<INTEREST-INVEST>                           277            918
<INTEREST-OTHER>                              0              0
<INTEREST-TOTAL>                          7,161         13,489
<INTEREST-DEPOSIT>                        3,572          7,003
<INTEREST-EXPENSE>                        4,032          8,165
<INTEREST-INCOME-NET>                     3,129          5,324
<LOAN-LOSSES>                                90            166
<SECURITIES-GAINS>                            0              0
<EXPENSE-OTHER>                           2,133          3,855
<INCOME-PRETAX>                           1,462          2,112
<INCOME-PRE-EXTRAORDINARY>                1,462          2,112
<EXTRAORDINARY>                               0              0
<CHANGES>                                     0              0
<NET-INCOME>                                863          1,270
<EPS-PRIMARY>                              0.43           0.50
<EPS-DILUTED>                              0.43           0.50
<YIELD-ACTUAL>                            2.736           2.29
<LOANS-NON>                                 674            299
<LOANS-PAST>                                  0              1
<LOANS-TROUBLED>                              0              0
<LOANS-PROBLEM>                               0              0
<ALLOWANCE-OPEN>                            512            376
<CHARGE-OFFS>                                22             41
<RECOVERIES>                                  4             11
<ALLOWANCE-CLOSE>                           584            512
<ALLOWANCE-DOMESTIC>                        584            512
<ALLOWANCE-FOREIGN>                           0              0
<ALLOWANCE-UNALLOCATED>                       0              0