<TABLE> <S> <C>
                                                                
<ARTICLE>                       9                                      
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARIZED FINANCIAL INFORMATION EXTRACTED 
FROM THE  REGISTRANTS FORM  10-QSB  FOR THE  QUARTER ENDED  JUNE 30, 1997.
</LEGEND>
<MULTIPLIER>                    1000                                   
                                                                      
<S>                             <C>             <C>              
<PERIOD-TYPE>                   6-MOS                                  
<FISCAL-YEAR-END>               DEC-31-1997                            
<PERIOD-END>                    JUN-30-1997                            
<CASH>                                             6,257              
<INT-BEARING-DEPOSITS>                                 0              
<FED-FUNDS-SOLD>                                       0              
<TRADING-ASSETS>                                       0              
<INVESTMENTS-HELD-FOR-SALE>                       19,478              
<INVESTMENTS-CARRYING>                            29,493              
<INVESTMENTS-MARKET>                              28,579              
<LOANS>                                           74,049              
<ALLOWANCE>                                          890              
<TOTAL-ASSETS>                                   112,386              
<DEPOSITS>                                        98,324              
<SHORT-TERM>                                       1,100              
<LIABILITIES-OTHER>                                  791              
<LONG-TERM>                                            0              
<PREFERRED-MANDATORY>                                  0              
<PREFERRED>                                            0              
<COMMON>                                          11,210              
<OTHER-SE>                                           460              
<TOTAL-LIABILITIES-AND-EQUITY>                   112,386              
<INTEREST-LOAN>                                    3,469              
<INTEREST-INVEST>                                    734              
<INTEREST-OTHER>                                      10              
<INTEREST-TOTAL>                                   4,213              
<INTEREST-DEPOSIT>                                 1,784              
<INTEREST-EXPENSE>                                    28              
<INTEREST-INCOME-NET>                              2,401              
<LOAN-LOSSES>                                         67              
<SECURITIES-GAINS>                                  (16)              
<EXPENSE-OTHER>                                    2,236              
<INCOME-PRETAX>                                      533              
<INCOME-PRE-EXTRAORDINARY>                           317              
<EXTRAORDINARY>                                        0              
<CHANGES>                                              0              
<NET-INCOME>                                         317              
<EPS-PRIMARY>                                       0.19              
<EPS-DILUTED>                                       0.19              
<YIELD-ACTUAL>                                      4.41              
<LOANS-NON>                                           87              
<LOANS-PAST>                                         378              
<LOANS-TROUBLED>                                       0              
<LOANS-PROBLEM>                                      850              
<ALLOWANCE-OPEN>                                     866              
<CHARGE-OFFS>                                         50              
<RECOVERIES>                                           7              
<ALLOWANCE-CLOSE>                                    890              
<ALLOWANCE-DOMESTIC>                                 890              
<ALLOWANCE-FOREIGN>                                    0              
<ALLOWANCE-UNALLOCATED>                                0              
                                                                      

</TABLE>