<ARTICLE> 9
<MULTIPLIER>    1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          13,959
<INT-BEARING-DEPOSITS>                             181
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,497
<INVESTMENTS-CARRYING>                          24,361
<INVESTMENTS-MARKET>                            24,048
<LOANS>                                        260,722
<ALLOWANCE>                                      1,582
<TOTAL-ASSETS>                                 335,824
<DEPOSITS>                                     311,754
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,212
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            11
<OTHER-SE>                                      20,847
<TOTAL-LIABILITIES-AND-EQUITY>                 335,824
<INTEREST-LOAN>                                 21,788
<INTEREST-INVEST>                                2,203
<INTEREST-OTHER>                                   390
<INTEREST-TOTAL>                                24,381
<INTEREST-DEPOSIT>                              14,749
<INTEREST-EXPENSE>                              14,885
<INTEREST-INCOME-NET>                            9,496
<LOAN-LOSSES>                                      565
<SECURITIES-GAINS>                                (10)
<EXPENSE-OTHER>                                 12,153
<INCOME-PRETAX>                                    562
<INCOME-PRE-EXTRAORDINARY>                         359
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       359
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    3.04
<LOANS-NON>                                      2,146
<LOANS-PAST>                                     1,445
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    197
<ALLOWANCE-OPEN>                                 1,175
<CHARGE-OFFS>                                      163
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                1,582
<ALLOWANCE-DOMESTIC>                             1,582
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0