<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains amended summary financial information extracted from SEC
Forms 10-QSB for the periods ended June 30, 1996 and September 30, 1996 and
Form 10-KSB for the period ended December 31, 1996.  These are qualified in
their entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   9-MOS                   OTHER
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             OCT-01-1995
<PERIOD-END>                               JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                           4,038                   4,529                   6,361
<INT-BEARING-DEPOSITS>                          11,403                   9,672                  22,049
<FED-FUNDS-SOLD>                                     0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      5,828                   5,845                       0
<INVESTMENTS-CARRYING>                           3,396                   3,397                   3,400
<INVESTMENTS-MARKET>                             3,379                   3,390                   3,396
<LOANS>                                         86,174                  91,386                  91,817
<ALLOWANCE>                                        262                     322                     374
<TOTAL-ASSETS>                                 119,662                 123,866                 132,369
<DEPOSITS>                                      85,119                  90,446                 100,714
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                              1,212                   1,689                   1,193
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                            21                      21                      21
<OTHER-SE>                                      33,310                  31,710                  30,441
<TOTAL-LIABILITIES-AND-EQUITY>                 119,662                 123,866                 132,369
<INTEREST-LOAN>                                  3,411                   5,346                   9,024
<INTEREST-INVEST>                                  769                   1,065                     597
<INTEREST-OTHER>                                     0                       0                   1,186
<INTEREST-TOTAL>                                 4,180                   6,411                  10,807
<INTEREST-DEPOSIT>                               1,503                   2,330                   4,006
<INTEREST-EXPENSE>                               1,517                   2,352                   4,042
<INTEREST-INCOME-NET>                            2,663                   4,059                   6,765
<LOAN-LOSSES>                                      110                     170                     325
<SECURITIES-GAINS>                                   0                       0                   (127)
<EXPENSE-OTHER>                                  2,263                   3,927                   6,101
<INCOME-PRETAX>                                    603                     410                     980
<INCOME-PRE-EXTRAORDINARY>                         343                     201                     980
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                       343                     201                     534
<EPS-PRIMARY>                                     0.18                    0.11                    0.30
<EPS-DILUTED>                                     0.18                    0.11                    0.29
<YIELD-ACTUAL>                                    .049                    0.05                    .049
<LOANS-NON>                                          0                      59                       0
<LOANS-PAST>                                       227                     108                     177
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                  1,080                   2,063                   1,995
<ALLOWANCE-OPEN>                                   267                     267                     231
<CHARGE-OFFS>                                      118                     119                     186
<RECOVERIES>                                         4                       4                       4
<ALLOWANCE-CLOSE>                                  262                     322                     374
<ALLOWANCE-DOMESTIC>                               262                     322                     374
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>