<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