<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                   1.00
<CASH>                                         264,642
<INT-BEARING-DEPOSITS>                         440,770
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         916,492
<INVESTMENTS-MARKET>                           925,383
<LOANS>                                     25,703,455
<ALLOWANCE>                                    112,063
<TOTAL-ASSETS>                              28,043,875
<DEPOSITS>                                  20,566,675
<SHORT-TERM>                                 2,300,000
<LIABILITIES-OTHER>                             83,812
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       345,000
<OTHER-SE>                                   4,748,388
<TOTAL-LIABILITIES-AND-EQUITY>              28,043,875
<INTEREST-LOAN>                              1,043,136
<INTEREST-INVEST>                               30,924
<INTEREST-OTHER>                                18,129
<INTEREST-TOTAL>                             1,092,189
<INTEREST-DEPOSIT>                             542,283
<INTEREST-EXPENSE>                             581,157
<INTEREST-INCOME-NET>                          511,032
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                362,032
<INCOME-PRETAX>                                204,125
<INCOME-PRE-EXTRAORDINARY>                     140,074
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   140,074
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    740,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               109,063
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              112,063
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        112,063