<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