<ARTICLE> 9
<LEGEND>
This legend contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       2,181,063
<INT-BEARING-DEPOSITS>                       4,255,653
<FED-FUNDS-SOLD>                             1,500,000
<TRADING-ASSETS>                             1,310,453
<INVESTMENTS-HELD-FOR-SALE>                 12,463,747
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     71,268,765
<ALLOWANCE>                                    379,235
<TOTAL-ASSETS>                              94,178,896
<DEPOSITS>                                  65,483,006
<SHORT-TERM>                                13,500,000
<LIABILITIES-OTHER>                          1,108,713
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           11,241
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  14,075,936
<TOTAL-LIABILITIES-AND-EQUITY>              94,178,896
<INTEREST-LOAN>                              2,892,086
<INTEREST-INVEST>                              555,842
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,447,928
<INTEREST-DEPOSIT>                           1,440,123
<INTEREST-EXPENSE>                           1,752,857
<INTEREST-INCOME-NET>                        1,695,071
<LOAN-LOSSES>                                   31,425
<SECURITIES-GAINS>                             196,828
<EXPENSE-OTHER>                              1,315,596
<INCOME-PRETAX>                                780,321
<INCOME-PRE-EXTRAORDINARY>                     780,321
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   479,781
<EPS-PRIMARY>                                     0.50
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    3.92
<LOANS-NON>                                    668,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               354,631
<CHARGE-OFFS>                                   16,821
<RECOVERIES>                                    10,000
<ALLOWANCE-CLOSE>                              379,235
<ALLOWANCE-DOMESTIC>                           379,235
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0