<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>                                                 469
<INT-BEARING-DEPOSITS>                                 912
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         20,527
<INVESTMENTS-CARRYING>                               1,497
<INVESTMENTS-MARKET>                                 1,497
<LOANS>                                             20,882
<ALLOWANCE>                                            307
<TOTAL-ASSETS>                                      44,978
<DEPOSITS>                                          32,775
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    631
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                60
<OTHER-SE>                                          11,512
<TOTAL-LIABILITIES-AND-EQUITY>                      44,978
<INTEREST-LOAN>                                        846
<INTEREST-INVEST>                                      686
<INTEREST-OTHER>                                        40
<INTEREST-TOTAL>                                     1,572
<INTEREST-DEPOSIT>                                     704
<INTEREST-EXPENSE>                                     720
<INTEREST-INCOME-NET>                                  852
<LOAN-LOSSES>                                            4
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        633
<INCOME-PRETAX>                                        252
<INCOME-PRE-EXTRAORDINARY>                             157
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           157
<EPS-PRIMARY>                                         0.26
<EPS-DILUTED>                                         0.26
<YIELD-ACTUAL>                                        3.83
<LOANS-NON>                                             89
<LOANS-PAST>                                           109
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       303
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      307
<ALLOWANCE-DOMESTIC>                                   307
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>