<TABLE> <S> <C>

<ARTICLE>                                                   9
<LEGEND>
This schedule  contains Summary Financial  Information  extracted from Form 10-Q
for the quarterly period ended 6/30/97 and is qualified in its entirety 
by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER>                                              1000
<PERIOD-TYPE>                                            6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1997
<PERIOD-END>                                       JUN-30-1997
<CASH>                                                  20,600
<INT-BEARING-DEPOSITS>                                       0
<FED-FUNDS-SOLD>                                          7900
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             43,911
<INVESTMENTS-CARRYING>                                  20,570
<INVESTMENTS-MARKET>                                    20,459
<LOANS>                                                246,672
<ALLOWANCE>                                              4,693
<TOTAL-ASSETS>                                         352,295
<DEPOSITS>                                             311,121
<SHORT-TERM>                                             5,561
<LIABILITIES-OTHER>                                      1,587
<LONG-TERM>                                              7,489
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                    37
<OTHER-SE>                                              26,500
<TOTAL-LIABILITIES-AND-EQUITY>                         352,295
<INTEREST-LOAN>                                         10,318
<INTEREST-INVEST>                                        1,927
<INTEREST-OTHER>                                           103
<INTEREST-TOTAL>                                        12,348
<INTEREST-DEPOSIT>                                       4,938
<INTEREST-EXPENSE>                                       5,382
<INTEREST-INCOME-NET>                                    6,967
<LOAN-LOSSES>                                              651
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          6,357
<INCOME-PRETAX>                                          1,603
<INCOME-PRE-EXTRAORDINARY>                                 962
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                               962
<EPS-PRIMARY>                                              .26
<EPS-DILUTED>                                              .26
<YIELD-ACTUAL>                                            4.56
<LOANS-NON>                                              3,649
<LOANS-PAST>                                               311
<LOANS-TROUBLED>                                         2,666
<LOANS-PROBLEM>                                            650
<ALLOWANCE-OPEN>                                         4,696
<CHARGE-OFFS>                                              807
<RECOVERIES>                                               153
<ALLOWANCE-CLOSE>                                        4,693
<ALLOWANCE-DOMESTIC>                                     4,693
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>