<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          15,738
<INT-BEARING-DEPOSITS>                             394
<FED-FUNDS-SOLD>                                 2,675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     98,047
<INVESTMENTS-CARRYING>                          23,673
<INVESTMENTS-MARKET>                            23,409
<LOANS>                                        324,142
<ALLOWANCE>                                      6,048
<TOTAL-ASSETS>                                 481,041
<DEPOSITS>                                     421,503
<SHORT-TERM>                                     4,491
<LIABILITIES-OTHER>                              4,148
<LONG-TERM>                                          0
<COMMON>                                        25,416
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      25,483
<TOTAL-LIABILITIES-AND-EQUITY>                 481,041
<INTEREST-LOAN>                                 14,359
<INTEREST-INVEST>                                3,865
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                 8,575
<INTEREST-DEPOSIT>                               8,394
<INTEREST-EXPENSE>                               8,575
<INTEREST-INCOME-NET>                            9,852
<LOAN-LOSSES>                                      543
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,848
<INCOME-PRETAX>                                  4,744
<INCOME-PRE-EXTRAORDINARY>                       4,744
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,124
<EPS-PRIMARY>                                     1.23
<EPS-DILUTED>                                     1.23
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                        534
<LOANS-PAST>                                     1,381
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,528
<CHARGE-OFFS>                                      352
<RECOVERIES>                                       415
<ALLOWANCE-CLOSE>                                6,048
<ALLOWANCE-DOMESTIC>                             6,048
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,753