<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>                                                                14,269
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                       3,970
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           63,738
<INVESTMENTS-CARRYING>                                                41,981
<INVESTMENTS-MARKET>                                                  42,068
<LOANS>                                                              163,633
<ALLOWANCE>                                                            2,660
<TOTAL-ASSETS>                                                       294,072
<DEPOSITS>                                                           259,428
<SHORT-TERM>                                                           8,488
<LIABILITIES-OTHER>                                                    2,213
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                               1,785
<OTHER-SE>                                                            22,158
<TOTAL-LIABILITIES-AND-EQUITY>                                       294,072
<INTEREST-LOAN>                                                        6,999
<INTEREST-INVEST>                                                      3,224
<INTEREST-OTHER>                                                          92
<INTEREST-TOTAL>                                                      10,315
<INTEREST-DEPOSIT>                                                     4,262
<INTEREST-EXPENSE>                                                     4,409
<INTEREST-INCOME-NET>                                                  5,906
<LOAN-LOSSES>                                                            200
<SECURITIES-GAINS>                                                       165
<EXPENSE-OTHER>                                                        4,533
<INCOME-PRETAX>                                                        2,249
<INCOME-PRE-EXTRAORDINARY>                                             1,602
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                           1,602
<EPS-PRIMARY>                                                           1.12
<EPS-DILUTED>                                                           1.12
<YIELD-ACTUAL>                                                          4.64
<LOANS-NON>                                                            2,491
<LOANS-PAST>                                                             148
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                        4,315
<ALLOWANCE-OPEN>                                                       2,585
<CHARGE-OFFS>                                                            137
<RECOVERIES>                                                              12
<ALLOWANCE-CLOSE>                                                      2,660
<ALLOWANCE-DOMESTIC>                                                   2,660
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                1,399
        

</TABLE>