<ARTICLE>                     9
<LEGEND>
          THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
          THE REGISTRANT INTERIM FINANCIAL STATEMENT AT AND FOR THE PERIOD ENDED
          DECEMBER 31, 1996 AS IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
          STATEMENTS.
</LEGEND>
<MULTIPLIER>                  1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           5,231
<INT-BEARING-DEPOSITS>                           2,500
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,421
<INVESTMENTS-CARRYING>                          84,905
<INVESTMENTS-MARKET>                            84,905
<LOANS>                                        123,825
<ALLOWANCE>                                      3,126
<TOTAL-ASSETS>                                 247,073
<DEPOSITS>                                     204,154
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                160
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,621
<OTHER-SE>                                      10,614
<TOTAL-LIABILITIES-AND-EQUITY>                 247,073
<INTEREST-LOAN>                                  2,638
<INTEREST-INVEST>                                1,904
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,495
<INTEREST-DEPOSIT>                               2,220
<INTEREST-EXPENSE>                               2,220
<INTEREST-INCOME-NET>                            2,150
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,467
<INCOME-PRETAX>                                    740
<INCOME-PRE-EXTRAORDINARY>                         740
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       462
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                      1,522
<LOANS-PAST>                                     1,522
<LOANS-TROUBLED>                                 1,380
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,669
<CHARGE-OFFS>                                      668
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,126
<ALLOWANCE-DOMESTIC>                             3,126
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0