<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>                                                        32,579
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   59,114
<INVESTMENTS-CARRYING>                                        52,883
<INVESTMENTS-MARKET>                                          53,085
<LOANS>                                                      369,869
<ALLOWANCE>                                                    4,515
<TOTAL-ASSETS>                                               523,403
<DEPOSITS>                                                   451,196
<SHORT-TERM>                                                  11,800
<LIABILITIES-OTHER>                                            3,865
<LONG-TERM>                                                    9,932
<COMMON>                                                       3,088
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    43,522
<TOTAL-LIABILITIES-AND-EQUITY>                               523,403
<INTEREST-LOAN>                                               15,795
<INTEREST-INVEST>                                              3,502
<INTEREST-OTHER>                                                 195
<INTEREST-TOTAL>                                              19,492
<INTEREST-DEPOSIT>                                             6,823
<INTEREST-EXPENSE>                                             7,486
<INTEREST-INCOME-NET>                                         12,006
<LOAN-LOSSES>                                                  1,120
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                8,046
<INCOME-PRETAX>                                                6,115
<INCOME-PRE-EXTRAORDINARY>                                     6,115
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   3,975
<EPS-PRIMARY>                                                      0.93
<EPS-DILUTED>                                                      0.93
<YIELD-ACTUAL>                                                     4.980
<LOANS-NON>                                                    2,032
<LOANS-PAST>                                                       2
<LOANS-TROUBLED>                                                 573
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                               3,653
<CHARGE-OFFS>                                                    373
<RECOVERIES>                                                     115
<ALLOWANCE-CLOSE>                                              4,515
<ALLOWANCE-DOMESTIC>                                           4,515
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                        1,193
        

</TABLE>