<TABLE> <S> <C>


<ARTICLE>                                                9
                 
<MULTIPLIER>                                         1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                               3,143
<INT-BEARING-DEPOSITS>                               2,648
<FED-FUNDS-SOLD>                                       850
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          5,121
<INVESTMENTS-CARRYING>                               9,980
<INVESTMENTS-MARKET>                                 9,918
<LOANS>                                            112,856
<ALLOWANCE>                                          1,179
<TOTAL-ASSETS>                                     140,442
<DEPOSITS>                                         116,020
<SHORT-TERM>                                         5,000
<LIABILITIES-OTHER>                                  2,018
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          17,404
<TOTAL-LIABILITIES-AND-EQUITY>                     140,442
<INTEREST-LOAN>                                      4,487
<INTEREST-INVEST>                                      440
<INTEREST-OTHER>                                       196
<INTEREST-TOTAL>                                     5,223
<INTEREST-DEPOSIT>                                   2,451
<INTEREST-EXPENSE>                                   2,485
<INTEREST-INCOME-NET>                                2,738
<LOAN-LOSSES>                                          170
<SECURITIES-GAINS>                                       3
<EXPENSE-OTHER>                                      2,060
<INCOME-PRETAX>                                      1,132
<INCOME-PRE-EXTRAORDINARY>                           1,132
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           665
<EPS-PRIMARY>                                          .61
<EPS-DILUTED>                                          .61
<YIELD-ACTUAL>                                        4.13
<LOANS-NON>                                              0
<LOANS-PAST>                                           609
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,074
<CHARGE-OFFS>                                           46
<RECOVERIES>                                           111
<ALLOWANCE-CLOSE>                                    1,179
<ALLOWANCE-DOMESTIC>                                    13
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,166
        



</TABLE>