<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Balance Sheet at June 30, 1997  (unaudited)  and the  Consolidated
Statement of Operation for the Six Months Ended June 30, 1997 (unaudited) 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>                                           9,832 
<INT-BEARING-DEPOSITS>                               3 
<FED-FUNDS-SOLD>                                 6,250 
<TRADING-ASSETS>                                     0 
<INVESTMENTS-HELD-FOR-SALE>                     28,794 
<INVESTMENTS-CARRYING>                           7,006 
<INVESTMENTS-MARKET>                             7,149 
<LOANS>                                        231,925 
<ALLOWANCE>                                      3,445 
<TOTAL-ASSETS>                                 292,466 
<DEPOSITS>                                     241,443 
<SHORT-TERM>                                    15,960 
<LIABILITIES-OTHER>                              3,309 
<LONG-TERM>                                     11,490 
<PREFERRED-MANDATORY>                                0 
<PREFERRED>                                          0 
<COMMON>                                         4,384 
<OTHER-SE>                                      15,880 
<TOTAL-LIABILITIES-AND-EQUITY>                 272,202 
<INTEREST-LOAN>                                 13,044 
<INTEREST-INVEST>                                1,317 
<INTEREST-OTHER>                                     0 
<INTEREST-TOTAL>                                14,361 
<INTEREST-DEPOSIT>                               5,130 
<INTEREST-EXPENSE>                               6,017 
<INTEREST-INCOME-NET>                            8,344 
<LOAN-LOSSES>                                      570 
<SECURITIES-GAINS>                                  38 
<EXPENSE-OTHER>                                  6,050 
<INCOME-PRETAX>                                  2,749 
<INCOME-PRE-EXTRAORDINARY>                       2,749 
<EXTRAORDINARY>                                      0 
<CHANGES>                                            0 
<NET-INCOME>                                     1,780 
<EPS-PRIMARY>                                     0.65 
<EPS-DILUTED>                                     0.65 
<YIELD-ACTUAL>                                    6.38 
<LOANS-NON>                                        692 
<LOANS-PAST>                                       278 
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,407
<ALLOWANCE-OPEN>                                 3,160 
<CHARGE-OFFS>                                      537 
<RECOVERIES>                                       252 
<ALLOWANCE-CLOSE>                                3,445 
<ALLOWANCE-DOMESTIC>                             3,445 
<ALLOWANCE-FOREIGN>                                  0 
<ALLOWANCE-UNALLOCATED>                              0 
                                                             

</TABLE>