<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 <PERIOD-START> APR-01-1997 JAN-01-1997 <PERIOD-END> JUN-30-1997 JUN-30-1997 <CASH> 0 6,413 <INT-BEARING-DEPOSITS> 0 5,158 <FED-FUNDS-SOLD> 0 20,260 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 0 1,723 <INVESTMENTS-MARKET> 0 1,696 <LOANS> 0 80,847 <ALLOWANCE> 0 1,493 <TOTAL-ASSETS> 0 117,136 <DEPOSITS> 0 108,357 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 657 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,007 <OTHER-SE> 0 1,115 <TOTAL-LIABILITIES-AND-EQUITY> 0 117,136 <INTEREST-LOAN> 2,164 4,030 <INTEREST-INVEST> 31 62 <INTEREST-OTHER> 275 555 <INTEREST-TOTAL> 2,470 4,647 <INTEREST-DEPOSIT> 757 1,514 <INTEREST-EXPENSE> 757 1,514 <INTEREST-INCOME-NET> 1,714 3,134 <LOAN-LOSSES> 102 204 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,519 2,974 <INCOME-PRETAX> 366 372 <INCOME-PRE-EXTRAORDINARY> 366 372 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 219 250 <EPS-PRIMARY> 0.28 0.33 <EPS-DILUTED> 0.24 0.27 <YIELD-ACTUAL> 6.642 6.037 <LOANS-NON> 0 3,087 <LOANS-PAST> 0 397 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,478 1,405 <CHARGE-OFFS> 90 120 <RECOVERIES> 3 4 <ALLOWANCE-CLOSE> 1,493 1,493 <ALLOWANCE-DOMESTIC> 1,493 1,493 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0