<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>                                           3,711
<INT-BEARING-DEPOSITS>                           7,354
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     20,438
<INVESTMENTS-CARRYING>                           7,801
<INVESTMENTS-MARKET>                             7,680
<LOANS>                                        103,156
<ALLOWANCE>                                      2,624
<TOTAL-ASSETS>                                 152,386
<DEPOSITS>                                     117,443
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                226
<LONG-TERM>                                     20,652
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,359
<OTHER-SE>                                      12,706
<TOTAL-LIABILITIES-AND-EQUITY>                 152,386
<INTEREST-LOAN>                                  4,663
<INTEREST-INVEST>                                  970
<INTEREST-OTHER>                                   222
<INTEREST-TOTAL>                                 5,855
<INTEREST-DEPOSIT>                               2,230
<INTEREST-EXPENSE>                                 716
<INTEREST-INCOME-NET>                            2,909
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 146
<EXPENSE-OTHER>                                  2,475
<INCOME-PRETAX>                                    952
<INCOME-PRE-EXTRAORDINARY>                         952
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       618
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    9.22
<LOANS-NON>                                      2,787
<LOANS-PAST>                                        82
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,814
<ALLOWANCE-OPEN>                                 2,666
<CHARGE-OFFS>                                      225
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                                2,624
<ALLOWANCE-DOMESTIC>                             2,624
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0