<ARTICLE>            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED JUNE 30, 1996 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>     1,000
       
                           
<PERIOD-TYPE>                 6-MOS
<FISCAL-YEAR-END>                     Dec-31-1996
<PERIOD-END>                          Jun-30-1996
<CASH>                                         618
<INT-BEARING-DEPOSITS>                         965
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 25,604
<INVESTMENTS-CARRYING>                      25,915
<INVESTMENTS-MARKET>                        25,640
<LOANS>                                     79,463
<ALLOWANCE>                                    663
<TOTAL-ASSETS>                             138,628
<DEPOSITS>                                 100,258
<SHORT-TERM>                                 8,000
<LIABILITIES-OTHER>                          1,126
<LONG-TERM>                                 20,000
<COMMON>                                     9,244
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<OTHER-SE>                                       0
<TOTAL-LIABILITIES-AND-EQUITY>             138,628
<INTEREST-LOAN>                              3,149
<INTEREST-INVEST>                            1,902
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                             5,051
<INTEREST-DEPOSIT>                           2,334
<INTEREST-EXPENSE>                           3,068
<INTEREST-INCOME-NET>                        1,983
<LOAN-LOSSES>                                   24
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                              1,284
<INCOME-PRETAX>                                844
<INCOME-PRE-EXTRAORDINARY>                     844
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   536
<EPS-PRIMARY>                                 1.41
<EPS-DILUTED>                                 1.41
<YIELD-ACTUAL>                                   0
<LOANS-NON>                                    190
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                               676
<CHARGE-OFFS>                                   37
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                              663
<ALLOWANCE-DOMESTIC>                           350
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                        313