<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 2,405,564 <INT-BEARING-DEPOSITS> 1,758,970 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,380,382 <INVESTMENTS-CARRYING> 1,425,334 <INVESTMENTS-MARKET> 1,457,826 <LOANS> 121,578,852 <ALLOWANCE> 1,208,565 <TOTAL-ASSETS> 190,058,740 <DEPOSITS> 139,463,468 <SHORT-TERM> 18,548,983 <LIABILITIES-OTHER> 2,029,110 <LONG-TERM> 11,340,578 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,929 <OTHER-SE> 18,217,655 <TOTAL-LIABILITIES-AND-EQUITY> 190,058,740 <INTEREST-LOAN> 5,355,012 <INTEREST-INVEST> 457,989 <INTEREST-OTHER> 1,510,620 <INTEREST-TOTAL> 7,323,621 <INTEREST-DEPOSIT> 2,797,799 <INTEREST-EXPENSE> 3,545,912 <INTEREST-INCOME-NET> 3,777,709 <LOAN-LOSSES> 120,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,469,210 <INCOME-PRETAX> 1,734,040 <INCOME-PRE-EXTRAORDINARY> 1,734,040 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,049,640 <EPS-PRIMARY> 1.26 <EPS-DILUTED> 1.26 <YIELD-ACTUAL> 4.23 <LOANS-NON> 266,304 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,120,102 <CHARGE-OFFS> 31,642 <RECOVERIES> 105 <ALLOWANCE-CLOSE> 1,208,565 <ALLOWANCE-DOMESTIC> 1,208,565 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0