<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           14693
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      18436
<INVESTMENTS-CARRYING>                           30337
<INVESTMENTS-MARKET>                             30506
<LOANS>                                         161395
<ALLOWANCE>                                       1863
<TOTAL-ASSETS>                                  237963
<DEPOSITS>                                      204173
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              12889
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2197
<OTHER-SE>                                       18704
<TOTAL-LIABILITIES-AND-EQUITY>                  237963
<INTEREST-LOAN>                                   7668
<INTEREST-INVEST>                                 1632
<INTEREST-OTHER>                                    24
<INTEREST-TOTAL>                                  9324
<INTEREST-DEPOSIT>                                3585
<INTEREST-EXPENSE>                                3677
<INTEREST-INCOME-NET>                             5647
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                   4332
<INCOME-PRETAX>                                   2177
<INCOME-PRE-EXTRAORDINARY>                        2177
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1637
<EPS-PRIMARY>                                     1.71
<EPS-DILUTED>                                     1.71
<YIELD-ACTUAL>                                    5.44
<LOANS-NON>                                        146
<LOANS-PAST>                                       483
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   3176
<ALLOWANCE-OPEN>                                  1814
<CHARGE-OFFS>                                      154
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                 1863
<ALLOWANCE-DOMESTIC>                               633
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1230
        

</TABLE>