<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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>                                           2,690
<INT-BEARING-DEPOSITS>                             399
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,301
<INVESTMENTS-CARRYING>                           2,527
<INVESTMENTS-MARKET>                             2,540
<LOANS>                                         30,268
<ALLOWANCE>                                        279
<TOTAL-ASSETS>                                  45,711
<DEPOSITS>                                      40,646
<SHORT-TERM>                                     1,294
<LIABILITIES-OTHER>                                408
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,212
<OTHER-SE>                                       2,151
<TOTAL-LIABILITIES-AND-EQUITY>                  45,711
<INTEREST-LOAN>                                  1,384
<INTEREST-INVEST>                                  324
<INTEREST-OTHER>                                    20
<INTEREST-TOTAL>                                 1,728
<INTEREST-DEPOSIT>                                 762
<INTEREST-EXPENSE>                                 786
<INTEREST-INCOME-NET>                              942
<LOAN-LOSSES>                                       53
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                    794
<INCOME-PRETAX>                                    212
<INCOME-PRE-EXTRAORDINARY>                         155
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       155
<EPS-PRIMARY>                                     1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.65
<LOANS-NON>                                         27
<LOANS-PAST>                                        55
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     82
<ALLOWANCE-OPEN>                                   281
<CHARGE-OFFS>                                       69
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                  279
<ALLOWANCE-DOMESTIC>                               279
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            111