<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> APR-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 13,406 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 107,359 <ALLOWANCE> 1,751 <TOTAL-ASSETS> 205,165 <DEPOSITS> 181,019 <SHORT-TERM> 328 <LIABILITIES-OTHER> 2,729 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,298 <OTHER-SE> 4,791 <TOTAL-LIABILITIES-AND-EQUITY> 205,165 <INTEREST-LOAN> 3,769 <INTEREST-INVEST> 106 <INTEREST-OTHER> 51 <INTEREST-TOTAL> 3,926 <INTEREST-DEPOSIT> 882 <INTEREST-EXPENSE> 919 <INTEREST-INCOME-NET> 3,007 <LOAN-LOSSES> 120 <SECURITIES-GAINS> (11) <EXPENSE-OTHER> 4,928 <INCOME-PRETAX> 1,958 <INCOME-PRE-EXTRAORDINARY> 1,958 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,155 <EPS-PRIMARY> .50 <EPS-DILUTED> .49 <YIELD-ACTUAL> 6.86 <LOANS-NON> 1,313 <LOANS-PAST> 455 <LOANS-TROUBLED> 4,123 <LOANS-PROBLEM> 5,885 <ALLOWANCE-OPEN> 1,721 <CHARGE-OFFS> 199 <RECOVERIES> 109 <ALLOWANCE-CLOSE> 1,751 <ALLOWANCE-DOMESTIC> 1,751 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0