<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