<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1997  (unaudited)  and the  Consolidated
Statement of Operation for the Six Months Ended June 30, 1997 (unaudited) and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                         1
       
<S>                                  <C>  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                                DEC-31-1997
<PERIOD-END>                                     JUN-30-1997
<CASH>                                            10,896,609
<INT-BEARING-DEPOSITS>                                     0
<FED-FUNDS-SOLD>                                      75,000
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       25,901,886
<INVESTMENTS-CARRYING>                            16,334,249
<INVESTMENTS-MARKET>                              16,301,135
<LOANS>                                          130,468,831
<ALLOWANCE>                                        1,847,433
<TOTAL-ASSETS>                                   185,569,426
<DEPOSITS>                                       161,178,455
<SHORT-TERM>                                       6,247,090
<LIABILITIES-OTHER>                                  713,946
<LONG-TERM>                                        1,080,000
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                          13,674,811
<OTHER-SE>                                         1,073,029
<TOTAL-LIABILITIES-AND-EQUITY>                   185,569,426
<INTEREST-LOAN>                                    5,563,297
<INTEREST-INVEST>                                  1,195,600
<INTEREST-OTHER>                                      72,476
<INTEREST-TOTAL>                                   6,831,373
<INTEREST-DEPOSIT>                                 2,923,631
<INTEREST-EXPENSE>                                 3,083,203
<INTEREST-INCOME-NET>                              3,748,170
<LOAN-LOSSES>                                        105,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    2,968,995
<INCOME-PRETAX>                                    1,683,220
<INCOME-PRE-EXTRAORDINARY>                         1,045,152
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                       1,045,152
<EPS-PRIMARY>                                            .65
<EPS-DILUTED>                                            .64
<YIELD-ACTUAL>                                          4.60
<LOANS-NON>                                           87,308
<LOANS-PAST>                                          41,669
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   1,802,402
<CHARGE-OFFS>                                         83,752
<RECOVERIES>                                          23,783
<ALLOWANCE-CLOSE>                                  1,847,433
<ALLOWANCE-DOMESTIC>                               1,685,450
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                              161,983
        

</TABLE>