<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1996 SECOND
QUARTER 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           3,261
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,682
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,123
<INVESTMENTS-CARRYING>                           9,537
<INVESTMENTS-MARKET>                             9,602
<LOANS>                                         50,011
<ALLOWANCE>                                      1,013
<TOTAL-ASSETS>                                  77,263
<DEPOSITS>                                      65,175
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,075
<LONG-TERM>                                      2,088
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,487
<OTHER-SE>                                       7,438
<TOTAL-LIABILITIES-AND-EQUITY>                  77,263
<INTEREST-LOAN>                                  2,218
<INTEREST-INVEST>                                  645
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,863
<INTEREST-DEPOSIT>                               1,166
<INTEREST-EXPENSE>                               1,231
<INTEREST-INCOME-NET>                            1,632
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,263
<INCOME-PRETAX>                                    755
<INCOME-PRE-EXTRAORDINARY>                         755
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       545
<EPS-PRIMARY>                                     1.83
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.89
<LOANS-NON>                                         62
<LOANS-PAST>                                        44
<LOANS-TROUBLED>                                    56
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   995
<CHARGE-OFFS>                                       16
<RECOVERIES>                                        34
<ALLOWANCE-CLOSE>                                1,013
<ALLOWANCE-DOMESTIC>                               150
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            863