<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 4352 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 7200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19075 <INVESTMENTS-CARRYING> 36095 <INVESTMENTS-MARKET> 36083 <LOANS> 52653 <ALLOWANCE> 625 <TOTAL-ASSETS> 123220 <DEPOSITS> 86381 <SHORT-TERM> 5000 <LIABILITIES-OTHER> 1174 <LONG-TERM> 18094 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4509 <OTHER-SE> 8062 <TOTAL-LIABILITIES-AND-EQUITY> 123220 <INTEREST-LOAN> 2634 <INTEREST-INVEST> 1445 <INTEREST-OTHER> 331 <INTEREST-TOTAL> 4410 <INTEREST-DEPOSIT> 1428 <INTEREST-EXPENSE> 2066 <INTEREST-INCOME-NET> 2344 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (34) <EXPENSE-OTHER> 1570 <INCOME-PRETAX> 973 <INCOME-PRE-EXTRAORDINARY> 603 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 603 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 4.1 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 106 <LOANS-PROBLEM> 757 <ALLOWANCE-OPEN> 628 <CHARGE-OFFS> 23 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 625 <ALLOWANCE-DOMESTIC> 368 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 257