<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1997 10-QSB FINANCIAL STATEMENTS 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>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           1,239
<INT-BEARING-DEPOSITS>                             199
<FED-FUNDS-SOLD>                                 2,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,869
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         19,808
<ALLOWANCE>                                        930
<TOTAL-ASSETS>                                  37,691
<DEPOSITS>                                      30,269
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                261
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       7,160
<TOTAL-LIABILITIES-AND-EQUITY>                   7,161
<INTEREST-LOAN>                                    514
<INTEREST-INVEST>                                  227
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                   741
<INTEREST-DEPOSIT>                                 300
<INTEREST-EXPENSE>                                 300
<INTEREST-INCOME-NET>                              441
<LOAN-LOSSES>                                        5
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                    381
<INCOME-PRETAX>                                    122
<INCOME-PRE-EXTRAORDINARY>                          77
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        77
<EPS-PRIMARY>                                      .12
<EPS-DILUTED>                                      .12
<YIELD-ACTUAL>                                    8.42
<LOANS-NON>                                         22
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   885
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  881
<ALLOWANCE-DOMESTIC>                               881
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>