<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 24677 <INT-BEARING-DEPOSITS> 4939 <FED-FUNDS-SOLD> 4500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117189 <INVESTMENTS-CARRYING> 3517 <INVESTMENTS-MARKET> 3527 <LOANS> 357892 <ALLOWANCE> 2496 <TOTAL-ASSETS> 540126 <DEPOSITS> 452988 <SHORT-TERM> 26000 <LIABILITIES-OTHER> 4517 <LONG-TERM> 13700 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 7750 <OTHER-SE> 32071 <TOTAL-LIABILITIES-AND-EQUITY> 540126 <INTEREST-LOAN> 14701 <INTEREST-INVEST> 3780 <INTEREST-OTHER> 101 <INTEREST-TOTAL> 18582 <INTEREST-DEPOSIT> 8140 <INTEREST-EXPENSE> 9361 <INTEREST-INCOME-NET> 9221 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7699 <INCOME-PRETAX> 3881 <INCOME-PRE-EXTRAORDINARY> 3881 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2504 <EPS-PRIMARY> 1.24 <EPS-DILUTED> 1.16 <YIELD-ACTUAL> 3.94 <LOANS-NON> 790 <LOANS-PAST> 320 <LOANS-TROUBLED> 431 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2684 <CHARGE-OFFS> 457 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 2496 <ALLOWANCE-DOMESTIC> 2496 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 687