<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 5,443,000 <INT-BEARING-DEPOSITS> 3,756,000 <FED-FUNDS-SOLD> 31,970,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,257,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 82,153,000 <ALLOWANCE> 1,697,000 <TOTAL-ASSETS> 149,910,000 <DEPOSITS> 133,322,000 <SHORT-TERM> 52,000 <LIABILITIES-OTHER> 1,573,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332,000 <OTHER-SE> 3,631,000 <TOTAL-LIABILITIES-AND-EQUITY> 149,910,000 <INTEREST-LOAN> 4,098,000 <INTEREST-INVEST> 1,162,000 <INTEREST-OTHER> 638,000 <INTEREST-TOTAL> 5,898,000 <INTEREST-DEPOSIT> 1,643,000 <INTEREST-EXPENSE> 1,642,000 <INTEREST-INCOME-NET> 4,256,000 <LOAN-LOSSES> 413,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,072,000 <INCOME-PRETAX> 1,140,000 <INCOME-PRE-EXTRAORDINARY> 660,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 660,000 <EPS-PRIMARY> 0.27 <EPS-DILUTED> 0.25 <YIELD-ACTUAL> 0.060 <LOANS-NON> 2,285,000 <LOANS-PAST> 991,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,300,000 <CHARGE-OFFS> 1,181,000 <RECOVERIES> 165,000 <ALLOWANCE-CLOSE> 1,697,000 <ALLOWANCE-DOMESTIC> 1,697,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0