<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1997,  (unaudited) and the  Consolidated
Statement  of Income for the six months ended June 30, 1997  (unaudited)  and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                          1,000
       
<S>                                                    <C>
<PERIOD-TYPE>                                          6-MOS
<FISCAL-YEAR-END>                                      DEC-31-1997
<PERIOD-END>                                           JUN-30-1997
<CASH>                                                                5,831
<INT-BEARING-DEPOSITS>                                                1,607
<FED-FUNDS-SOLD>                                                      6,360
<TRADING-ASSETS>                                                         48
<INVESTMENTS-HELD-FOR-SALE>                                          13,354
<INVESTMENTS-CARRYING>                                               16,217
<INVESTMENTS-MARKET>                                                 16,142
<LOANS>                                                              81,005
<ALLOWANCE>                                                           1,014
<TOTAL-ASSETS>                                                      127,867
<DEPOSITS>                                                          107,582
<SHORT-TERM>                                                          6,138
<LIABILITIES-OTHER>                                                     612
<LONG-TERM>                                                           1,130
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                              9,055
<OTHER-SE>                                                            3,350
<TOTAL-LIABILITIES-AND-EQUITY>                                      127,867
<INTEREST-LOAN>                                                       3,546
<INTEREST-INVEST>                                                       813
<INTEREST-OTHER>                                                        128
<INTEREST-TOTAL>                                                      4,487
<INTEREST-DEPOSIT>                                                    1,853
<INTEREST-EXPENSE>                                                    1,951
<INTEREST-INCOME-NET>                                                 2,536
<LOAN-LOSSES>                                                           177
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                       1,925
<INCOME-PRETAX>                                                         797
<INCOME-PRE-EXTRAORDINARY>                                              797
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            547
<EPS-PRIMARY>                                                          0.21
<EPS-DILUTED>                                                          0.21
<YIELD-ACTUAL>                                                         4.76
<LOANS-NON>                                                             207
<LOANS-PAST>                                                            221
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                         428
<ALLOWANCE-OPEN>                                                        876
<CHARGE-OFFS>                                                            58
<RECOVERIES>                                                             19
<ALLOWANCE-CLOSE>                                                     1,014
<ALLOWANCE-DOMESTIC>                                                  1,014
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
        

</TABLE>