<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