<TABLE> <S> <C>


<ARTICLE>                                                9          
<MULTIPLIER>                                         1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        6-mos
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                               4,356
<INT-BEARING-DEPOSITS>                                 100
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         14,921
<INVESTMENTS-CARRYING>                              14,921
<INVESTMENTS-MARKET>                                14,921
<LOANS>                                             59,718
<ALLOWANCE>                                           (228)
<TOTAL-ASSETS>                                      83,152
<DEPOSITS>                                          60,400
<SHORT-TERM>                                         4,500
<LIABILITIES-OTHER>                                  2,292
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             7,560
<OTHER-SE>                                           8,399
<TOTAL-LIABILITIES-AND-EQUITY>                      83,152
<INTEREST-LOAN>                                      2,369
<INTEREST-INVEST>                                      463
<INTEREST-OTHER>                                       107
<INTEREST-TOTAL>                                     2,939
<INTEREST-DEPOSIT>                                   1,392
<INTEREST-EXPENSE>                                   1,490
<INTEREST-INCOME-NET>                                1,449
<LOAN-LOSSES>                                            8
<SECURITIES-GAINS>                                     (32)
<EXPENSE-OTHER>                                        591
<INCOME-PRETAX>                                        912
<INCOME-PRE-EXTRAORDINARY>                             575
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           575
<EPS-PRIMARY>                                          .46
<EPS-DILUTED>                                          .45
<YIELD-ACTUAL>                                        4.00
<LOANS-NON>                                            500
<LOANS-PAST>                                           500
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       236
<CHARGE-OFFS>                                           17
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      228
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                228
        


</TABLE>