<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 8,295 <INT-BEARING-DEPOSITS> 64,934 <FED-FUNDS-SOLD> 1,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,473 <INVESTMENTS-CARRYING> 23,275 <INVESTMENTS-MARKET> 23,273 <LOANS> 71,474 <ALLOWANCE> 1,000 <TOTAL-ASSETS> 106,822 <DEPOSITS> 94,271 <SHORT-TERM> 1,730 <LIABILITIES-OTHER> 895 <LONG-TERM> 0 <COMMON> 3,662 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 106,822 <INTEREST-LOAN> 3,526 <INTEREST-INVEST> 505 <INTEREST-OTHER> 140 <INTEREST-TOTAL> 4,171 <INTEREST-DEPOSIT> 1,315 <INTEREST-EXPENSE> 1,365 <INTEREST-INCOME-NET> 2,806 <LOAN-LOSSES> 47 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,512 <INCOME-PRETAX> 836 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 525 <EPS-PRIMARY> 0.49 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 6.16 <LOANS-NON> 359 <LOANS-PAST> 223 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 971 <CHARGE-OFFS> 20 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 1000 <ALLOWANCE-DOMESTIC> 1000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 414