<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                           1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                         6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1997
<PERIOD-END>                                       JUN-30-1997
<CASH>                                                                     19,964
<INT-BEARING-DEPOSITS>                                                          0
<FED-FUNDS-SOLD>                                                            6,000
<TRADING-ASSETS>                                                                0
<INVESTMENTS-HELD-FOR-SALE>                                                53,138
<INVESTMENTS-CARRYING>                                                     59,861
<INVESTMENTS-MARKET>                                                       59,600
<LOANS>                                                                   249,042
<ALLOWANCE>                                                                 3,302
<TOTAL-ASSETS>                                                            394,301
<DEPOSITS>                                                                346,996
<SHORT-TERM>                                                                6,515
<LIABILITIES-OTHER>                                                         1,415
<LONG-TERM>                                                                     0
<PREFERRED-MANDATORY>                                                           0
<PREFERRED>                                                                     0
<COMMON>                                                                   10,000
<OTHER-SE>                                                                 29,375
<TOTAL-LIABILITIES-AND-EQUITY>                                            394,301
<INTEREST-LOAN>                                                            10,692
<INTEREST-INVEST>                                                           3,313
<INTEREST-OTHER>                                                               27
<INTEREST-TOTAL>                                                           14,032
<INTEREST-DEPOSIT>                                                          6,107
<INTEREST-EXPENSE>                                                          6,285
<INTEREST-INCOME-NET>                                                       7,747
<LOAN-LOSSES>                                                                 313
<SECURITIES-GAINS>                                                              0
<EXPENSE-OTHER>                                                             4,691
<INCOME-PRETAX>                                                             4,240
<INCOME-PRE-EXTRAORDINARY>                                                  4,240
<EXTRAORDINARY>                                                                 0
<CHANGES>                                                                       0
<NET-INCOME>                                                                2,910
<EPS-PRIMARY>                                                                1.45
<EPS-DILUTED>                                                                1.45
<YIELD-ACTUAL>                                                               4.44
<LOANS-NON>                                                                 1,367
<LOANS-PAST>                                                                  143
<LOANS-TROUBLED>                                                                0
<LOANS-PROBLEM>                                                                 0
<ALLOWANCE-OPEN>                                                            3,039
<CHARGE-OFFS>                                                                  75
<RECOVERIES>                                                                   25
<ALLOWANCE-CLOSE>                                                           3,302
<ALLOWANCE-DOMESTIC>                                                        2,870
<ALLOWANCE-FOREIGN>                                                             0
<ALLOWANCE-UNALLOCATED>                                                       432
        

</TABLE>