<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 <PERIOD-START> APR-01-1996 JAN-01-1996 <PERIOD-END> JUN-30-1996 JUN-30-1996 <CASH> 16,419 0 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 11,000 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 1,003 0 <INVESTMENTS-CARRYING> 48,324 0 <INVESTMENTS-MARKET> 46,853 0 <LOANS> 185,475 0 <ALLOWANCE> 3,043 0 <TOTAL-ASSETS> 274,396 0 <DEPOSITS> 250,139 0 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 1,274 0 <LONG-TERM> 3,000 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 18,196 0 <OTHER-SE> 1,787 0 <TOTAL-LIABILITIES-AND-EQUITY> 274,396 0 <INTEREST-LOAN> 4,696 9,212 <INTEREST-INVEST> 844 1,748 <INTEREST-OTHER> 151 239 <INTEREST-TOTAL> 5,691 11,199 <INTEREST-DEPOSIT> 1,844 3,748 <INTEREST-EXPENSE> 1,931 3,939 <INTEREST-INCOME-NET> 3,760 7,260 <LOAN-LOSSES> 265 465 <SECURITIES-GAINS> 0 9 <EXPENSE-OTHER> 3,499 6,651 <INCOME-PRETAX> 803 1,580 <INCOME-PRE-EXTRAORDINARY> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 514 987 <EPS-PRIMARY> .25 .49 <EPS-DILUTED> .25 .49 <YIELD-ACTUAL> 6.27 6.12 <LOANS-NON> 2,214 2,214 <LOANS-PAST> 1,104 1,104 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 11,300 11,300 <ALLOWANCE-OPEN> 2,907 2,683 <CHARGE-OFFS> 165 165 <RECOVERIES> 36 60 <ALLOWANCE-CLOSE> 3,043 3,043 <ALLOWANCE-DOMESTIC> 3,043 3,043 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0