<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS 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> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                            6981
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  1398
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      88285
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         102585
<ALLOWANCE>                                       1171
<TOTAL-ASSETS>                                  215480
<DEPOSITS>                                      156135
<SHORT-TERM>                                     37724
<LIABILITIES-OTHER>                               1255
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         15848
<OTHER-SE>                                        3597
<TOTAL-LIABILITIES-AND-EQUITY>                  215480
<INTEREST-LOAN>                                   4726
<INTEREST-INVEST>                                 2611
<INTEREST-OTHER>                                   264
<INTEREST-TOTAL>                                  7601
<INTEREST-DEPOSIT>                                2458
<INTEREST-EXPENSE>                                3277
<INTEREST-INCOME-NET>                             4324
<LOAN-LOSSES>                                      166
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                   4493
<INCOME-PRETAX>                                   1224
<INCOME-PRE-EXTRAORDINARY>                         854
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       854
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    4.11
<LOANS-NON>                                        763
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                  1119
<CHARGE-OFFS>                                      170
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                                 1171
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>
THESE ITEMS NOT REQUIRED BY REGULATION SB
</FN>
        

</TABLE>