<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 735 <INT-BEARING-DEPOSITS> 4,844 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,156 <INVESTMENTS-CARRYING> 3,800 <INVESTMENTS-MARKET> 3,803 <LOANS> 184,148<F1> <ALLOWANCE> 678 <TOTAL-ASSETS> 202,035 <DEPOSITS> 143,701 <SHORT-TERM> 28,000 <LIABILITIES-OTHER> 1,660 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 28,455 <TOTAL-LIABILITIES-AND-EQUITY> 202,035 <INTEREST-LOAN> 7,140 <INTEREST-INVEST> 433 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,573 <INTEREST-DEPOSIT> 3,403 <INTEREST-EXPENSE> 753 <INTEREST-INCOME-NET> 3,417 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 7 <EXPENSE-OTHER> 1,922 <INCOME-PRETAX> 1,892 <INCOME-PRE-EXTRAORDINARY> 1,892 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,099 <EPS-PRIMARY> 0.57 <EPS-DILUTED> 0.57 <YIELD-ACTUAL> 3.46 <LOANS-NON> 385 <LOANS-PAST> 130 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 533<F2> <ALLOWANCE-OPEN> 615 <CHARGE-OFFS> 39 <RECOVERIES> 12 <ALLOWANCE-CLOSE> 678 <ALLOWANCE-DOMESTIC> 678 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>Held to maturity and held for sale <F2>Substandard </FN>