<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>