<ARTICLE> 9
<LEGEND>
The schedule contains summary information extracted from the annual
report on Form 10-KSB for the year ended December 31, 1996 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           4,388
<INT-BEARING-DEPOSITS>                           5,410
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,546
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        154,701
<ALLOWANCE>                                      1,715
<TOTAL-ASSETS>                                 184,607
<DEPOSITS>                                     116,949
<SHORT-TERM>                                    50,000
<LIABILITIES-OTHER>                                642
<LONG-TERM>                                        220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            11
<OTHER-SE>                                      16,785
<TOTAL-LIABILITIES-AND-EQUITY>                 167,811
<INTEREST-LOAN>                                 12,467
<INTEREST-INVEST>                                  624
<INTEREST-OTHER>                                   156
<INTEREST-TOTAL>                                13,247
<INTEREST-DEPOSIT>                               5,324
<INTEREST-EXPENSE>                               7,530
<INTEREST-INCOME-NET>                            5,717
<LOAN-LOSSES>                                      800
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  4,186
<INCOME-PRETAX>                                  1,426
<INCOME-PRE-EXTRAORDINARY>                       1,426
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       876
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    3.52
<LOANS-NON>                                      2,484
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,156
<ALLOWANCE-OPEN>                                   922
<CHARGE-OFFS>                                        7
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,715
<ALLOWANCE-DOMESTIC>                             1,715
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0