<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                               6579  
<INT-BEARING-DEPOSITS>                                  0  
<FED-FUNDS-SOLD>                                     8431  
<TRADING-ASSETS>                                        0  
<INVESTMENTS-HELD-FOR-SALE>                         28374  
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0  
<LOANS>                                             96733  
<ALLOWANCE>                                          1294  
<TOTAL-ASSETS>                                     147971  
<DEPOSITS>                                         131606  
<SHORT-TERM>                                          337  
<LIABILITIES-OTHER>                                   712  
<LONG-TERM>                                            37  
<PREFERRED-MANDATORY>                                   0  
<PREFERRED>                                             0  
<COMMON>                                             4722  
<OTHER-SE>                                          10557  
<TOTAL-LIABILITIES-AND-EQUITY>                      15279  
<INTEREST-LOAN>                                      4960  
<INTEREST-INVEST>                                    1121  
<INTEREST-OTHER>                                        0  
<INTEREST-TOTAL>                                     6081  
<INTEREST-DEPOSIT>                                   2495  
<INTEREST-EXPENSE>                                   2501  
<INTEREST-INCOME-NET>                                3580  
<LOAN-LOSSES>                                         210  
<SECURITIES-GAINS>                                     (2) 
<EXPENSE-OTHER>                                      2679  
<INCOME-PRETAX>                                      1084  
<INCOME-PRE-EXTRAORDINARY>                           1084
<EXTRAORDINARY>                                         0  
<CHANGES>                                               0  
<NET-INCOME>                                          765  
<EPS-PRIMARY>                                        0.78  
<EPS-DILUTED>                                        0.78  
<YIELD-ACTUAL>                                       5.61  
<LOANS-NON>                                           556  
<LOANS-PAST>                                          164  
<LOANS-TROUBLED>                                        0  
<LOANS-PROBLEM>                                         0  
<ALLOWANCE-OPEN>                                     1112  
<CHARGE-OFFS>                                          57  
<RECOVERIES>                                           29  
<ALLOWANCE-CLOSE>                                    1294  
<ALLOWANCE-DOMESTIC>                                    0  
<ALLOWANCE-FOREIGN>                                     0  
<ALLOWANCE-UNALLOCATED>                              1294
                                                     


</TABLE>