<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 11,390 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,506 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 36,051 <INVESTMENTS-CARRYING> 11,146 <INVESTMENTS-MARKET> 11,102 <LOANS> 129,605 <ALLOWANCE> 1,889 <TOTAL-ASSETS> 195,513 <DEPOSITS> 164,107 <SHORT-TERM> 12,265 <LIABILITIES-OTHER> 1,411 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 15,925 <TOTAL-LIABILITIES-AND-EQUITY> 195,513 <INTEREST-LOAN> 5,734 <INTEREST-INVEST> 1,411 <INTEREST-OTHER> 123 <INTEREST-TOTAL> 7,268 <INTEREST-DEPOSIT> 3,479 <INTEREST-EXPENSE> 3,831 <INTEREST-INCOME-NET> 3,437 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,147 <INCOME-PRETAX> 1,724 <INCOME-PRE-EXTRAORDINARY> 1,724 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,151 <EPS-PRIMARY> 1.28 <EPS-DILUTED> 1.28 <YIELD-ACTUAL> 3.84 <LOANS-NON> 278 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,746 <ALLOWANCE-OPEN> 1,781 <CHARGE-OFFS> 15 <RECOVERIES> 33 <ALLOWANCE-CLOSE> 1,889 <ALLOWANCE-DOMESTIC> 1,889 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0