<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 20,083 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 30,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,791 <INVESTMENTS-CARRYING> 5,428 <INVESTMENTS-MARKET> 5,467 <LOANS> 148,671 <ALLOWANCE> 2,829 <TOTAL-ASSETS> 212,853 <DEPOSITS> 195,403 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,151 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,963 <OTHER-SE> 2,471 <TOTAL-LIABILITIES-AND-EQUITY> 212,853 <INTEREST-LOAN> 6,901 <INTEREST-INVEST> 366 <INTEREST-OTHER> 502 <INTEREST-TOTAL> 7,769 <INTEREST-DEPOSIT> 1,588 <INTEREST-EXPENSE> 1,588 <INTEREST-INCOME-NET> 6,181 <LOAN-LOSSES> 435 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,067 <INCOME-PRETAX> 1,244 <INCOME-PRE-EXTRAORDINARY> 1,244 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 777 <EPS-PRIMARY> .55 <EPS-DILUTED> .54 <YIELD-ACTUAL> 0 <LOANS-NON> 3,210 <LOANS-PAST> 29 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,737 <CHARGE-OFFS> 344 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 2,829 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0