<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 11,812 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,368 <INVESTMENTS-CARRYING> 12,146 <INVESTMENTS-MARKET> 12,212 <LOANS> 141,646 <ALLOWANCE> 1,798 <TOTAL-ASSETS> 208,402 <DEPOSITS> 179,602 <SHORT-TERM> 8,569 <LIABILITIES-OTHER> 1,489 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 16,937 <TOTAL-LIABILITIES-AND-EQUITY> 208,402 <INTEREST-LOAN> 6,115 <INTEREST-INVEST> 1,510 <INTEREST-OTHER> 30 <INTEREST-TOTAL> 7,655 <INTEREST-DEPOSIT> 3,825 <INTEREST-EXPENSE> 4,019 <INTEREST-INCOME-NET> 3,636 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,221 <INCOME-PRETAX> 1,684 <INCOME-PRE-EXTRAORDINARY> 1,684 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,142 <EPS-PRIMARY> 1.28 <EPS-DILUTED> 1.28 <YIELD-ACTUAL> 3.75 <LOANS-NON> 894 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,697 <ALLOWANCE-OPEN> 1,925 <CHARGE-OFFS> 239 <RECOVERIES> 22 <ALLOWANCE-CLOSE> 1,798 <ALLOWANCE-DOMESTIC> 1,798 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0