<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 12,278 <INT-BEARING-DEPOSITS> 35,698 <FED-FUNDS-SOLD> 4,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67,553 <INVESTMENTS-CARRYING> 3,102 <INVESTMENTS-MARKET> 0 <LOANS> 168,259 <ALLOWANCE> 2,509 <TOTAL-ASSETS> 261,878 <DEPOSITS> 211,808 <SHORT-TERM> 9,198 <LIABILITIES-OTHER> 3,559 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,787 <OTHER-SE> 24,527 <TOTAL-LIABILITIES-AND-EQUITY> 261,878 <INTEREST-LOAN> 7,684 <INTEREST-INVEST> 2,408 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 10,145 <INTEREST-DEPOSIT> 3,826 <INTEREST-EXPENSE> 325 <INTEREST-INCOME-NET> 5,994 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 2,325 <EXPENSE-OTHER> 3,525 <INCOME-PRETAX> 5,241 <INCOME-PRE-EXTRAORDINARY> 5,241 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,839 <EPS-PRIMARY> 3.00 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 1,142 <LOANS-PAST> 139 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,413 <CHARGE-OFFS> 106 <RECOVERIES> 82 <ALLOWANCE-CLOSE> 2509 <ALLOWANCE-DOMESTIC> 2509 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0