<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>                                   4,057                3,175
<INT-BEARING-DEPOSITS>                       0                    0
<FED-FUNDS-SOLD>                             0                2,500
<TRADING-ASSETS>                             0                    0
<INVESTMENTS-HELD-FOR-SALE>             23,045               10,111
<INVESTMENTS-CARRYING>                  15,621               16,250
<INVESTMENTS-MARKET>                    15,463               16,299
<LOANS>                                 63,446               64,322  
<ALLOWANCE>                                724                  687
<TOTAL-ASSETS>                         109,398               98,599
<DEPOSITS>                              94,650               88,944
<SHORT-TERM>                             5,000                    0
<LIABILITIES-OTHER>                        557                  623
<LONG-TERM>                                  0                    0
<PREFERRED-MANDATORY>                        0                    0
<PREFERRED>                                  0                    0
<COMMON>                                 1,000                1,000
<OTHER-SE>                               8,191                8,032
<TOTAL-LIABILITIES-AND-EQUITY>         109,398               98,599
<INTEREST-LOAN>                          2,886                6,035
<INTEREST-INVEST>                          803                1,202
<INTEREST-OTHER>                            77                  200
<INTEREST-TOTAL>                         3,766                7,437
<INTEREST-DEPOSIT>                       1,522                2,976
<INTEREST-EXPENSE>                       1,539                2,986
<INTEREST-INCOME-NET>                    2,227                4,308
<LOAN-LOSSES>                               72                  143
<SECURITIES-GAINS>                           0                    0
<EXPENSE-OTHER>                          1,625                3,005
<INCOME-PRETAX>                            725                1,692
<INCOME-PRE-EXTRAORDINARY>                 501                1,172
<EXTRAORDINARY>                              0                    0
<CHANGES>                                    0                    0
<NET-INCOME>                               501                1,172
<EPS-PRIMARY>                             0.63                 1.47
<EPS-DILUTED>                                0                    0
<YIELD-ACTUAL>                            4.78                 4.97
<LOANS-NON>                              1,039                  194
<LOANS-PAST>                                53                   77
<LOANS-TROUBLED>                             0                    0
<LOANS-PROBLEM>                            395                    0
<ALLOWANCE-OPEN>                           687                  688
<CHARGE-OFFS>                               64                  205
<RECOVERIES>                                29                   61
<ALLOWANCE-CLOSE>                          724                  687
<ALLOWANCE-DOMESTIC>                       462                  391
<ALLOWANCE-FOREIGN>                          0                    0
<ALLOWANCE-UNALLOCATED>                    262                  296