<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF COMMUNITY FINANCIAL FOR THE SIX MONTHS ENDED JUNE 30,
1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<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>                                           6,538
<INT-BEARING-DEPOSITS>                             475
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,218
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        117,284
<ALLOWANCE>                                      3,010
<TOTAL-ASSETS>                                 190,978
<DEPOSITS>                                     151,899
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,813
<LONG-TERM>                                     14,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,229
<OTHER-SE>                                       9,537
<TOTAL-LIABILITIES-AND-EQUITY>                 190,978
<INTEREST-LOAN>                                  5,129
<INTEREST-INVEST>                                1,985
<INTEREST-OTHER>                                   156
<INTEREST-TOTAL>                                 7,270
<INTEREST-DEPOSIT>                               3,436
<INTEREST-EXPENSE>                               3,765
<INTEREST-INCOME-NET>                            3,505
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  2,741
<INCOME-PRETAX>                                  1,312
<INCOME-PRE-EXTRAORDINARY>                       1,312
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       840
<EPS-PRIMARY>                                      .38
<EPS-DILUTED>                                      .38
<YIELD-ACTUAL>                                    3.98
<LOANS-NON>                                        515
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    164
<ALLOWANCE-OPEN>                                 2,878
<CHARGE-OFFS>                                       40
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                                3,010
<ALLOWANCE-DOMESTIC>                             2,302
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            708
        

</TABLE>