<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 7,804,000 <INT-BEARING-DEPOSITS> 167,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,745,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 132,952,000 <ALLOWANCE> 1,660,000 <TOTAL-ASSETS> 180,501,000 <DEPOSITS> 153,295,000 <SHORT-TERM> 10,240,000 <LIABILITIES-OTHER> 1,826,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 843,000 <OTHER-SE> 5,004,000 <TOTAL-LIABILITIES-AND-EQUITY> 180,501,000 <INTEREST-LOAN> 5,886,000 <INTEREST-INVEST> 1,052,000 <INTEREST-OTHER> 17,000 <INTEREST-TOTAL> 6,955,000 <INTEREST-DEPOSIT> 3,145,000 <INTEREST-EXPENSE> 3,284,000 <INTEREST-INCOME-NET> 3,671,000 <LOAN-LOSSES> 262,000 <SECURITIES-GAINS> 10,000 <EXPENSE-OTHER> 2,539,000 <INCOME-PRETAX> 1,539,000 <INCOME-PRE-EXTRAORDINARY> 1,539,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,053,000 <EPS-PRIMARY> 1.25 <EPS-DILUTED> 1.25 <YIELD-ACTUAL> 4.82 <LOANS-NON> 181,000 <LOANS-PAST> 381,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,440,000 <CHARGE-OFFS> 66,000 <RECOVERIES> 24,000 <ALLOWANCE-CLOSE> 1,660,000 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,660,000