<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS 3-MOS 6-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996 DEC-31-1997 DEC-31-1996 <PERIOD-END> JUN-30-1997 JUN-30-1996 JUN-30-1997 JUN-30-1996 <CASH> 14,820 11,481 14,820 11,481 <INT-BEARING-DEPOSITS> 0 0 0 0 <FED-FUNDS-SOLD> 0 0 0 0 <TRADING-ASSETS> 0 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 47,461 31,327 47,461 31,327 <INVESTMENTS-CARRYING> 33,214 46,018 33,214 46,018 <INVESTMENTS-MARKET> 0 0 0 0 <LOANS> 222,874 209,255 222,874 209,255 <ALLOWANCE> 2,596 2,359 2,596 2,359 <TOTAL-ASSETS> 333,020 310,509 333,020 310,509 <DEPOSITS> 262,851 246,198 262,851 246,198 <SHORT-TERM> 27,919 29,253 27,919 29,253 <LIABILITIES-OTHER> 3,164 3,269 3,164 3,269 <LONG-TERM> 7,521 4,061 7,521 4,061 <PREFERRED-MANDATORY> 0 0 0 0 <PREFERRED> 0 0 0 0 <COMMON> 746 737 746 737 <OTHER-SE> 30,819 26,991 30,819 26,991 <TOTAL-LIABILITIES-AND-EQUITY> 333,020 310,509 333,020 310,509 <INTEREST-LOAN> 5,306 4,831 10,192 9,517 <INTEREST-INVEST> 1,391 1,250 2,652 2,457 <INTEREST-OTHER> 15 20 73 48 <INTEREST-TOTAL> 6,712 6,101 12,917 12,022 <INTEREST-DEPOSIT> 2,753 2,617 5,442 5,181 <INTEREST-EXPENSE> 3,168 2,951 6,150 5,810 <INTEREST-INCOME-NET> 3,544 3,150 6,767 6,212 <LOAN-LOSSES> 201 134 361 239 <SECURITIES-GAINS> 6 43 19 179 <EXPENSE-OTHER> 2,412 2,333 4,769 4,735 <INCOME-PRETAX> 1,817 1,521 3,524 2,974 <INCOME-PRE-EXTRAORDINARY> 1,210 997 2,327 1,944 <EXTRAORDINARY> 0 0 0 0 <CHANGES> 0 0 0 0 <NET-INCOME> 1,210 997 2,327 1,944 <EPS-PRIMARY> 1.63 1.36 3.13 2.65 <EPS-DILUTED> 1.63 1.36 3.13 2.65 <YIELD-ACTUAL> 4.67 4.40 4.46 4.33 <LOANS-NON> 1,097 1,725 1,097 1,725 <LOANS-PAST> 225 116 225 116 <LOANS-TROUBLED> 0 0 0 0 <LOANS-PROBLEM> 2,922 3,540 2,922 3,540 <ALLOWANCE-OPEN> 2,446 2,289 2,282 2,216 <CHARGE-OFFS> 79 96 118 168 <RECOVERIES> 38 32 71 72 <ALLOWANCE-CLOSE> 2,596 2,359 2,596 2,359 <ALLOWANCE-DOMESTIC> 2,596 2,359 2,596 2,359 <ALLOWANCE-FOREIGN> 0 0 0 0 <ALLOWANCE-UNALLOCATED> 0 0 0 0