<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1997 CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND ACCOUNTANTS' REVIEW REPORT
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10QSB FOR THE QUARTER
ENDING JUNE 30, 1997
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       7,017,010
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,947,054
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,819,490
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    162,200,904
<ALLOWANCE>                                  1,294,240
<TOTAL-ASSETS>                             207,296,944
<DEPOSITS>                                 192,923,137
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,264,748
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        27,581
<OTHER-SE>                                  13,081,478
<TOTAL-LIABILITIES-AND-EQUITY>             207,296,944
<INTEREST-LOAN>                              7,130,052
<INTEREST-INVEST>                              815,489
<INTEREST-OTHER>                                81,110
<INTEREST-TOTAL>                             8,026,651
<INTEREST-DEPOSIT>                           4,122,027
<INTEREST-EXPENSE>                           4,160,565
<INTEREST-INCOME-NET>                        3,866,086
<LOAN-LOSSES>                                  215,000
<SECURITIES-GAINS>                              50,762
<EXPENSE-OTHER>                              3,505,447
<INCOME-PRETAX>                                626,533
<INCOME-PRE-EXTRAORDINARY>                     626,533
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   406,228
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                  2,257,000
<LOANS-PAST>                                   526,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                518,000
<ALLOWANCE-OPEN>                             1,321,000
<CHARGE-OFFS>                                  243,000
<RECOVERIES>                                     1,000
<ALLOWANCE-CLOSE>                            1,294,000
<ALLOWANCE-DOMESTIC>                         1,294,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>