<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1997 <CASH> 4,564 <INT-BEARING-DEPOSITS> 81 <FED-FUNDS-SOLD> 1,986 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,564 <INVESTMENTS-CARRYING> 5,522 <INVESTMENTS-MARKET> 5,550 <LOANS> 86,143 <ALLOWANCE> 1,190 <TOTAL-ASSETS> 150,621 <DEPOSITS> 133,404 <SHORT-TERM> 3,153 <LIABILITIES-OTHER> 759 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,031 <OTHER-SE> 9,274 <TOTAL-LIABILITIES-AND-EQUITY> 150,621 <INTEREST-LOAN> 3,716 <INTEREST-INVEST> 1,609 <INTEREST-OTHER> 218 <INTEREST-TOTAL> 5,543 <INTEREST-DEPOSIT> 2,146 <INTEREST-EXPENSE> 2,249 <INTEREST-INCOME-NET> 3,294 <LOAN-LOSSES> 62 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,124 <INCOME-PRETAX> 1,424 <INCOME-PRE-EXTRAORDINARY> 1,424 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 951 <EPS-PRIMARY> 1.18 <EPS-DILUTED> 1.18 <YIELD-ACTUAL> 4.84 <LOANS-NON> 304 <LOANS-PAST> 499 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,160 <CHARGE-OFFS> 40 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,190 <ALLOWANCE-DOMESTIC> 1,190 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 31