<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 7,203 <INT-BEARING-DEPOSITS> 384 <FED-FUNDS-SOLD> 9,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,736 <INVESTMENTS-CARRYING> 27,741 <INVESTMENTS-MARKET> 27,498 <LOANS> 81,904 <ALLOWANCE> 981 <TOTAL-ASSETS> 142,162 <DEPOSITS> 129,315 <SHORT-TERM> 729 <LIABILITIES-OTHER> 1,220 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,531 <OTHER-SE> 1,368 <TOTAL-LIABILITIES-AND-EQUITY> 142,162 <INTEREST-LOAN> 4,105 <INTEREST-INVEST> 1,208 <INTEREST-OTHER> 170 <INTEREST-TOTAL> 5,483 <INTEREST-DEPOSIT> 2,044 <INTEREST-EXPENSE> 2,059 <INTEREST-INCOME-NET> 3,424 <LOAN-LOSSES> 40 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,775 <INCOME-PRETAX> 1,019 <INCOME-PRE-EXTRAORDINARY> 1,019 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 602 <EPS-PRIMARY> 0.61 <EPS-DILUTED> 0.61 <YIELD-ACTUAL> 8.90 <LOANS-NON> 79 <LOANS-PAST> 557 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 944 <CHARGE-OFFS> 49 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 981 <ALLOWANCE-DOMESTIC> 830 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 151