<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 2,358 <INT-BEARING-DEPOSITS> 26 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,643 <INVESTMENTS-CARRYING> 46,643 <INVESTMENTS-MARKET> 46,643 <LOANS> 129,566 <ALLOWANCE> 1,370 <TOTAL-ASSETS> 188,616 <DEPOSITS> 168,500 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,671 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 17,755 <TOTAL-LIABILITIES-AND-EQUITY> 188,616 <INTEREST-LOAN> 5,475 <INTEREST-INVEST> 1,590 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,065 <INTEREST-DEPOSIT> 3,703 <INTEREST-EXPENSE> 3,741 <INTEREST-INCOME-NET> 3,741 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 3 <EXPENSE-OTHER> 2,779 <INCOME-PRETAX> 1,104 <INCOME-PRE-EXTRAORDINARY> 1,104 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 816 <EPS-PRIMARY> 2.19 <EPS-DILUTED> 2.19 <YIELD-ACTUAL> 8.90 <LOANS-NON> 1,817 <LOANS-PAST> 35 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,111 <ALLOWANCE-OPEN> 1,329 <CHARGE-OFFS> 181 <RECOVERIES> 42 <ALLOWANCE-CLOSE> 1,370 <ALLOWANCE-DOMESTIC> 1,370 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0