<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