<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) FORM 10QSB.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           7,915
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,415
<INVESTMENTS-CARRYING>                          48,795
<INVESTMENTS-MARKET>                            48,985
<LOANS>                                        103,468
<ALLOWANCE>                                      1,415
<TOTAL-ASSETS>                                 184,323
<DEPOSITS>                                     164,654
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,961
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,443
<OTHER-SE>                                      15,265
<TOTAL-LIABILITIES-AND-EQUITY>                 184,323
<INTEREST-LOAN>                                  4,632
<INTEREST-INVEST>                                1,756
<INTEREST-OTHER>                                   188
<INTEREST-TOTAL>                                 6,576
<INTEREST-DEPOSIT>                               2,904
<INTEREST-EXPENSE>                               2,904
<INTEREST-INCOME-NET>                            3,672
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,300
<INCOME-PRETAX>                                  1,870
<INCOME-PRE-EXTRAORDINARY>                       1,870
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,302
<EPS-PRIMARY>                                     1.33
<EPS-DILUTED>                                     1.33
<YIELD-ACTUAL>                                    7.99
<LOANS-NON>                                         37
<LOANS-PAST>                                        12
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,361
<CHARGE-OFFS>                                        9
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                1,415
<ALLOWANCE-DOMESTIC>                             1,415
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0