<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at December 31, 1996 and the Consolidated
Statement of Operations for the twelve months ended December 31, 1996 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                             618
<INT-BEARING-DEPOSITS>                           2,644
<FED-FUNDS-SOLD>                                 4,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,426
<INVESTMENTS-CARRYING>                          25,581
<INVESTMENTS-MARKET>                            24,426
<LOANS>                                         70,202
<ALLOWANCE>                                        208
<TOTAL-ASSETS>                                 117,473
<DEPOSITS>                                      76,611
<SHORT-TERM>                                    16,000
<LIABILITIES-OTHER>                              2,990
<LONG-TERM>                                      8,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                      17,809
<TOTAL-LIABILITIES-AND-EQUITY>                 117,473
<INTEREST-LOAN>                                  5,168
<INTEREST-INVEST>                                3,300
<INTEREST-OTHER>                                   301
<INTEREST-TOTAL>                                 8,468
<INTEREST-DEPOSIT>                               3,285
<INTEREST-EXPENSE>                               4,640
<INTEREST-INCOME-NET>                            3,828
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  88
<EXPENSE-OTHER>                                  2,640
<INCOME-PRETAX>                                    349
<INCOME-PRE-EXTRAORDINARY>                         492
<EXTRAORDINARY>                                    492
<CHANGES>                                            0
<NET-INCOME>                                         0
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    2.59
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   200
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  208
<ALLOWANCE-DOMESTIC>                               208
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>