<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLODATED INCOME STATEMENTS AND CONSOLODATED BALANCE SHEETS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          10,814
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     97,734
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        237,557
<ALLOWANCE>                                      3,872
<TOTAL-ASSETS>                                 360,212
<DEPOSITS>                                     323,626
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,182
<LONG-TERM>                                         45
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           726
<OTHER-SE>                                      32,633
<TOTAL-LIABILITIES-AND-EQUITY>                 360,212
<INTEREST-LOAN>                                  9,982
<INTEREST-INVEST>                                2,692
<INTEREST-OTHER>                                   148
<INTEREST-TOTAL>                                12,822
<INTEREST-DEPOSIT>                               6,951
<INTEREST-EXPENSE>                               6,954
<INTEREST-INCOME-NET>                            5,868
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,934
<INCOME-PRETAX>                                  2,796
<INCOME-PRE-EXTRAORDINARY>                       2,796
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,220
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    7.96
<LOANS-NON>                                      1,285
<LOANS-PAST>                                     2,122
<LOANS-TROUBLED>                                   217
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,944
<CHARGE-OFFS>                                      294
<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                                3,872
<ALLOWANCE-DOMESTIC>                             3,872
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>