<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the Consolidated
Balance Sheets at June 30, 1997 (Unaudited) and the Consolidated Statements
of Operations for the Three Months and the Six Months Ended June 30, 1997
(Unaudited) and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             APR-01-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                            5492
<INT-BEARING-DEPOSITS>                            2721
<FED-FUNDS-SOLD>                                  2339
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      20665
<INVESTMENTS-CARRYING>                             693
<INVESTMENTS-MARKET>                               693
<LOANS>                                         114609
<ALLOWANCE>                                       1698
<TOTAL-ASSETS>                                  149692
<DEPOSITS>                                      131219
<SHORT-TERM>                                      4281
<LIABILITIES-OTHER>                               1777
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1342
<OTHER-SE>                                       11073
<TOTAL-LIABILITIES-AND-EQUITY>                  149692
<INTEREST-LOAN>                                   5544
<INTEREST-INVEST>                                  582
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                  6329
<INTEREST-DEPOSIT>                                2785
<INTEREST-EXPENSE>                                2913
<INTEREST-INCOME-NET>                             3416
<LOAN-LOSSES>                                      211
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                   2530
<INCOME-PRETAX>                                   1169
<INCOME-PRE-EXTRAORDINARY>                        1169
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       739
<EPS-PRIMARY>                                      .52
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    5.12
<LOANS-NON>                                          0
<LOANS-PAST>                                        80
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1487
<CHARGE-OFFS>                                      156
<RECOVERIES>                                       130
<ALLOWANCE-CLOSE>                                 1697
<ALLOWANCE-DOMESTIC>                              1697
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>