<TABLE> <S> <C>


<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                           8,667                   8,667
<INT-BEARING-DEPOSITS>                               4                       4
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     56,879                  56,879
<INVESTMENTS-CARRYING>                          24,034                  24,034
<INVESTMENTS-MARKET>                            24,190                  24,190
<LOANS>                                        166,077                 166,077
<ALLOWANCE>                                      2,679                   2,679
<TOTAL-ASSETS>                                 270,474                 270,474
<DEPOSITS>                                     227,865                 227,865
<SHORT-TERM>                                    11,840                  11,840
<LIABILITIES-OTHER>                              1,510                   1,510
<LONG-TERM>                                      6,483                   6,483
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         8,112                   8,112
<OTHER-SE>                                      14,663                  14,663
<TOTAL-LIABILITIES-AND-EQUITY>                 270,474                 270,474
<INTEREST-LOAN>                                  8,001                   4,000
<INTEREST-INVEST>                                2,082                   1,079
<INTEREST-OTHER>                                    46                      13
<INTEREST-TOTAL>                                10,129                   5,092
<INTEREST-DEPOSIT>                               4,705                   2,374
<INTEREST-EXPENSE>                               5,034                   2,520
<INTEREST-INCOME-NET>                            5,095                   2,572
<LOAN-LOSSES>                                      660                     480
<SECURITIES-GAINS>                                  (3)                      0
<EXPENSE-OTHER>                                  4,490                   2,187
<INCOME-PRETAX>                                  1,395                     578
<INCOME-PRE-EXTRAORDINARY>                       1,395                     578
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,246                     578
<EPS-PRIMARY>                                     0.77                    0.36
<EPS-DILUTED>                                     0.76                    0.35
<YIELD-ACTUAL>                                    4.49                    4.54
<LOANS-NON>                                      3,357                   3,357
<LOANS-PAST>                                       677                     677
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,100                   2,250
<CHARGE-OFFS>                                       86                      53
<RECOVERIES>                                         5                       2
<ALLOWANCE-CLOSE>                                2,679                   2,679
<ALLOWANCE-DOMESTIC>                             2,604                   2,604
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             75                      75
        


</TABLE>