<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 1254 <INT-BEARING-DEPOSITS> 1540 <FED-FUNDS-SOLD> 1400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44812 <INVESTMENTS-CARRYING> 44812 <INVESTMENTS-MARKET> 44812 <LOANS> 121132 <ALLOWANCE> 924 <TOTAL-ASSETS> 174310 <DEPOSITS> 131382 <SHORT-TERM> 16050 <LIABILITIES-OTHER> 1216 <LONG-TERM> 5000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13 <OTHER-SE> 20649 <TOTAL-LIABILITIES-AND-EQUITY> 174310 <INTEREST-LOAN> 2392 <INTEREST-INVEST> 732 <INTEREST-OTHER> 16 <INTEREST-TOTAL> 3140 <INTEREST-DEPOSIT> 1761 <INTEREST-EXPENSE> 2040 <INTEREST-INCOME-NET> 1100 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 58 <EXPENSE-OTHER> 944 <INCOME-PRETAX> 257 <INCOME-PRE-EXTRAORDINARY> 257 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 170 <EPS-PRIMARY> .14 <EPS-DILUTED> .14 <YIELD-ACTUAL> 2.65 <LOANS-NON> 282 <LOANS-PAST> 282 <LOANS-TROUBLED> 1644 <LOANS-PROBLEM> 50 <ALLOWANCE-OPEN> 911 <CHARGE-OFFS> 51 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 924 <ALLOWANCE-DOMESTIC> 924 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0