<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                              2,029     
<INT-BEARING-DEPOSITS>                                459     
<FED-FUNDS-SOLD>                                   10,415     
<TRADING-ASSETS>                                    1,009     
<INVESTMENTS-HELD-FOR-SALE>                        15,693     
<INVESTMENTS-CARRYING>                              2,998     
<INVESTMENTS-MARKET>                                3,108     
<LOANS>                                            88,858     
<ALLOWANCE>                                           884     
<TOTAL-ASSETS>                                    130,091     
<DEPOSITS>                                         99,122     
<SHORT-TERM>                                        5,000     
<LIABILITIES-OTHER>                                 4,548     
<LONG-TERM>                                        10,000     
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0     
<COMMON>                                            1,874     
<OTHER-SE>                                          5,771     
<TOTAL-LIABILITIES-AND-EQUITY>                     11,421     
<INTEREST-LOAN>                                     3,523     
<INTEREST-INVEST>                                   1,037     
<INTEREST-OTHER>                                        0     
<INTEREST-TOTAL>                                    4,560     
<INTEREST-DEPOSIT>                                  2,222     
<INTEREST-EXPENSE>                                  2,945     
<INTEREST-INCOME-NET>                               1,615     
<LOAN-LOSSES>                                          46     
<SECURITIES-GAINS>                                     30     
<EXPENSE-OTHER>                                     1,680     
<INCOME-PRETAX>                                       514     
<INCOME-PRE-EXTRAORDINARY>                              0     
<EXTRAORDINARY>                                         0     
<CHANGES>                                               0     
<NET-INCOME>                                          331     
<EPS-PRIMARY>                                         .24
<EPS-DILUTED>                                         .24    
<YIELD-ACTUAL>                                       2.72     
<LOANS-NON>                                         1,256
<LOANS-PAST>                                          128 
<LOANS-TROUBLED>                                        0 
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      870 
<CHARGE-OFFS>                                          32
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     884
<ALLOWANCE-DOMESTIC>                                  120
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                               764
                                               


</TABLE>