<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
 THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED 
 FROM OUR JUNE 30, 1997 10-QSB AND IS QUALIFIED IN ITS          
 ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.            
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                  DEC-31-1996
<PERIOD-END>                                       JUN-30-1997
<CASH>                                                   2,169
<INT-BEARING-DEPOSITS>                                   7,761
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             11,767
<INVESTMENTS-CARRYING>                                  23,481
<INVESTMENTS-MARKET>                                    23,405
<LOANS>                                                 69,503
<ALLOWANCE>                                                658
<TOTAL-ASSETS>                                         118,447
<DEPOSITS>                                             105,203
<SHORT-TERM>                                               605
<LIABILITIES-OTHER>                                        578
<LONG-TERM>                                                361
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                 3,716
<OTHER-SE>                                               7,984
<TOTAL-LIABILITIES-AND-EQUITY>                         118,447
<INTEREST-LOAN>                                          1,564
<INTEREST-INVEST>                                          534
<INTEREST-OTHER>                                            49
<INTEREST-TOTAL>                                         2,147
<INTEREST-DEPOSIT>                                         912
<INTEREST-EXPENSE>                                         919
<INTEREST-INCOME-NET>                                    1,228
<LOAN-LOSSES>                                               30
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                            788
<INCOME-PRETAX>                                            578
<INCOME-PRE-EXTRAORDINARY>                                 578
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                               389
<EPS-PRIMARY>                                             1.04
<EPS-DILUTED>                                             1.04
<YIELD-ACTUAL>                                            4.78
<LOANS-NON>                                                161
<LOANS-PAST>                                                54
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                           623
<CHARGE-OFFS>                                               28
<RECOVERIES>                                                 3
<ALLOWANCE-CLOSE>                                          658
<ALLOWANCE-DOMESTIC>                                       658
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0
                                                             


</TABLE>