<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                          22,986                  22,986
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                   600                     600
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     29,610                  29,610
<INVESTMENTS-CARRYING>                          31,011                  31,011
<INVESTMENTS-MARKET>                            31,006                  31,006
<LOANS>                                        327,926                 327,926
<ALLOWANCE>                                      5,575                   5,575
<TOTAL-ASSETS>                                 433,674                 433,674
<DEPOSITS>                                     373,325                 373,325
<SHORT-TERM>                                     3,969                   3,969
<LIABILITIES-OTHER>                             20,226                  20,226
<LONG-TERM>                                      2,185                   2,185
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,465                   5,465
<OTHER-SE>                                      28,504                  28,504
<TOTAL-LIABILITIES-AND-EQUITY>                 433,674                 433,674
<INTEREST-LOAN>                                  7,405                  14,466
<INTEREST-INVEST>                                1,013                   1,932
<INTEREST-OTHER>                                   135                     372
<INTEREST-TOTAL>                                 8,553                  16,770
<INTEREST-DEPOSIT>                               3,389                   6,752
<INTEREST-EXPENSE>                               3,705                   7,285
<INTEREST-INCOME-NET>                            4,848                   9,485
<LOAN-LOSSES>                                      225                     450
<SECURITIES-GAINS>                                   0                      80
<EXPENSE-OTHER>                                  3,891                   7,687
<INCOME-PRETAX>                                  2,585                   4,781
<INCOME-PRE-EXTRAORDINARY>                       2,585                   4,781
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,721                   3,204
<EPS-PRIMARY>                                      .51                     .94
<EPS-DILUTED>                                      .51                     .94
<YIELD-ACTUAL>                                    8.75                    8.72
<LOANS-NON>                                        855                     855
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  4,930                   4,930
<ALLOWANCE-OPEN>                                 5,359                   5,155
<CHARGE-OFFS>                                       21                      52
<RECOVERIES>                                        12                      22
<ALLOWANCE-CLOSE>                                5,575                   5,575
<ALLOWANCE-DOMESTIC>                             5,575                   5,575
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,095                   1,095
        

</TABLE>