<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JUL-01-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                            1,712,877
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                  4,363,438
<TRADING-ASSETS>                                 16,736,295
<INVESTMENTS-HELD-FOR-SALE>                               0
<INVESTMENTS-CARRYING>                            3,156,857
<INVESTMENTS-MARKET>                              3,348,674
<LOANS>                                          82,140,024
<ALLOWANCE>                                        (869,851)
<TOTAL-ASSETS>                                  116,019,925
<DEPOSITS>                                       81,401,071
<SHORT-TERM>                                     14,181,000
<LIABILITIES-OTHER>                               1,156,292
<LONG-TERM>                                      12,705,813
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                          1,155,010
<OTHER-SE>                                        5,420,739
<TOTAL-LIABILITIES-AND-EQUITY>                  116,019,925
<INTEREST-LOAN>                                   3,721,064
<INTEREST-INVEST>                                   821,823
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                  4,542,887
<INTEREST-DEPOSIT>                                1,960,029
<INTEREST-EXPENSE>                                2,939,965
<INTEREST-INCOME-NET>                             1,602,922
<LOAN-LOSSES>                                        91,850
<SECURITIES-GAINS>                                   72,547
<EXPENSE-OTHER>                                   1,593,501
<INCOME-PRETAX>                                      (9,882)
<INCOME-PRE-EXTRAORDINARY>                           (6,382)
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                         (6,382)
<EPS-PRIMARY>                                          (.01)
<EPS-DILUTED>                                          (.01)
<YIELD-ACTUAL>                                         8.01
<LOANS-NON>                                       1,669,636
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                    788,146
<CHARGE-OFFS>                                       (10,045)
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                   869,851
<ALLOWANCE-DOMESTIC>                                160,410
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                             709,441
        


</TABLE>