<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1997 SECOND
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRELY BY REFERENCE TO SUCH.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           3,109
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,916
<INVESTMENTS-CARRYING>                           8,512
<INVESTMENTS-MARKET>                             8,681
<LOANS>                                         54,008
<ALLOWANCE>                                      1,037
<TOTAL-ASSETS>                                  81,012
<DEPOSITS>                                      66,239
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,172
<LONG-TERM>                                      3,824
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,487
<OTHER-SE>                                       8,290
<TOTAL-LIABILITIES-AND-EQUITY>                  81,012
<INTEREST-LOAN>                                  2,341
<INTEREST-INVEST>                                  614
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,955
<INTEREST-DEPOSIT>                               1,151
<INTEREST-EXPENSE>                               1,233
<INTEREST-INCOME-NET>                            1,722
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  1,157
<INCOME-PRETAX>                                    824
<INCOME-PRE-EXTRAORDINARY>                         824
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       592
<EPS-PRIMARY>                                     1.99
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.08
<LOANS-NON>                                        224
<LOANS-PAST>                                        61
<LOANS-TROUBLED>                                    52
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,020
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                1,037
<ALLOWANCE-DOMESTIC>                               169
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            868