<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1
       
<S>                                                       <C>         
<PERIOD-TYPE>                                                    6-MOS
<FISCAL-YEAR-END>                                          DEC-31-1997
<PERIOD-START>                                             JAN-01-1997
<PERIOD-END>                                               JUN-30-1997
<CASH>                                                      13,949,061
<INT-BEARING-DEPOSITS>                                       1,284,254
<FED-FUNDS-SOLD>                                               140,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                 54,328,534
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                    218,205,206
<ALLOWANCE>                                                  2,636,987
<TOTAL-ASSETS>                                             302,070,598
<DEPOSITS>                                                 246,472,444
<SHORT-TERM>                                                 3,240,000
<LIABILITIES-OTHER>                                          2,054,985
<LONG-TERM>                                                 21,277,333
<COMMON>                                                     1,263,745
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  27,762,091
<TOTAL-LIABILITIES-AND-EQUITY>                             302,070,598
<INTEREST-LOAN>                                              9,922,569
<INTEREST-INVEST>                                            1,777,303
<INTEREST-OTHER>                                               246,546
<INTEREST-TOTAL>                                            11,946,418
<INTEREST-DEPOSIT>                                           5,072,891
<INTEREST-EXPENSE>                                           5,657,386
<INTEREST-INCOME-NET>                                        6,289,032
<LOAN-LOSSES>                                                  194,000
<SECURITIES-GAINS>                                            (23,065)
<EXPENSE-OTHER>                                              4,246,550
<INCOME-PRETAX>                                              3,247,226
<INCOME-PRE-EXTRAORDINARY>                                   2,157,538
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 2,157,538
<EPS-PRIMARY>                                                      .76
<EPS-DILUTED>                                                      .76
<YIELD-ACTUAL>                                                       0
<LOANS-NON>                                                          0
<LOANS-PAST>                                                         0
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                     0
<CHARGE-OFFS>                                                        0
<RECOVERIES>                                                         0
<ALLOWANCE-CLOSE>                                                    0
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0

        

</TABLE>