<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 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>                                           8,638
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,582
<INVESTMENTS-CARRYING>                          25,516
<INVESTMENTS-MARKET>                            25,527
<LOANS>                                        137,417
<ALLOWANCE>                                      1,858
<TOTAL-ASSETS>                                 207,815
<DEPOSITS>                                     183,732
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,733
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,159
<OTHER-SE>                                      17,191
<TOTAL-LIABILITIES-AND-EQUITY>                 207,815
<INTEREST-LOAN>                                  6,561
<INTEREST-INVEST>                                1,720
<INTEREST-OTHER>                                    32
<INTEREST-TOTAL>                                 8,313
<INTEREST-DEPOSIT>                               3,141
<INTEREST-EXPENSE>                               3,209
<INTEREST-INCOME-NET>                            5,104
<LOAN-LOSSES>                                      234
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  3,746
<INCOME-PRETAX>                                  1,822
<INCOME-PRE-EXTRAORDINARY>                       1,822
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,387
<EPS-PRIMARY>                                     1.48
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    5.41
<LOANS-NON>                                        401
<LOANS-PAST>                                       454
<LOANS-TROUBLED>                                   250
<LOANS-PROBLEM>                                  1,655
<ALLOWANCE-OPEN>                                 1,609
<CHARGE-OFFS>                                       59
<RECOVERIES>                                        74
<ALLOWANCE-CLOSE>                                1,858
<ALLOWANCE-DOMESTIC>                               542
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,316