<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