<TABLE> <S> <C>

<ARTICLE>                      9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE FORM 10-QSB FOR THE QUARTER LY PERIOD ENDING JUNE 30, 1997 AND IS
QUALIFIED IN ITS ENITRETY BY REFERENCE TO SUCH 10-QSB
</LEGEND>
<MULTIPLIER>                               1,000
       
<S>                                                    <C>
<PERIOD-TYPE>                                         6-MOS
<FISCAL-YEAR-END>                                                DEC-31-1997
<PERIOD-END>                                                     JUN-30-1997
<CASH>                                                                 3,355
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                         644
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           22,686
<INVESTMENTS-CARRYING>                                                11,333
<INVESTMENTS-MARKET>                                                  11,417
<LOANS>                                                               83,692
<ALLOWANCE>                                                              701
<TOTAL-ASSETS>                                                       125,049
<DEPOSITS>                                                           110,083
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    1,036
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                               2,157
<OTHER-SE>                                                            11,129
<TOTAL-LIABILITIES-AND-EQUITY>                                       125,049
<INTEREST-LOAN>                                                        3,802
<INTEREST-INVEST>                                                      1,095
<INTEREST-OTHER>                                                          46
<INTEREST-TOTAL>                                                       4,943
<INTEREST-DEPOSIT>                                                     2,369
<INTEREST-EXPENSE>                                                     2,374
<INTEREST-INCOME-NET>                                                  2,569
<LOAN-LOSSES>                                                            210
<SECURITIES-GAINS>                                                         4
<EXPENSE-OTHER>                                                        1,420
<INCOME-PRETAX>                                                        1,152
<INCOME-PRE-EXTRAORDINARY>                                             1,152
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             834
<EPS-PRIMARY>                                                           1.16
<EPS-DILUTED>                                                           1.16
<YIELD-ACTUAL>                                                          4.55
<LOANS-NON>                                                               80
<LOANS-PAST>                                                             524
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                         674
<CHARGE-OFFS>                                                            264
<RECOVERIES>                                                              81
<ALLOWANCE-CLOSE>                                                        701
<ALLOWANCE-DOMESTIC>                                                     701
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  407
        

</TABLE>