<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <EXCHANGE-RATE> 1,000 <CASH> 4,639 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,670 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 121,607 <ALLOWANCE> 1,700 <TOTAL-ASSETS> 150,384 <DEPOSITS> 125,087 <SHORT-TERM> 2,920 <LIABILITIES-OTHER> 1,233 <LONG-TERM> 8,809 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,027 <OTHER-SE> 6,308 <TOTAL-LIABILITIES-AND-EQUITY> 150,384 <INTEREST-LOAN> 5,684 <INTEREST-INVEST> 575 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,259 <INTEREST-DEPOSIT> 2,587 <INTEREST-EXPENSE> 2,725 <INTEREST-INCOME-NET> 3,534 <LOAN-LOSSES> 278 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,394 <INCOME-PRETAX> 1,651 <INCOME-PRE-EXTRAORDINARY> 1,049 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,049 <EPS-PRIMARY> 1.85 <EPS-DILUTED> 1.85 <YIELD-ACTUAL> 9.68 <LOANS-NON> 185 <LOANS-PAST> 289 <LOANS-TROUBLED> 83 <LOANS-PROBLEM> 1,506 <ALLOWANCE-OPEN> 1,544 <CHARGE-OFFS> 137 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,700 <ALLOWANCE-DOMESTIC> 1,021 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 679