<ARTICLE>                                            9

                   
                   


       
                                           
<PERIOD-TYPE>                                  3-mos
<FISCAL-YEAR-END>                              Dec-31-1997
<PERIOD-START>                                 Apr-01-1997
<PERIOD-END>                                   Jun-30-1997
<CASH>                                         14,949
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               10,075
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    48,715
<INVESTMENTS-CARRYING>                         14,703
<INVESTMENTS-MARKET>                           14,781
<LOANS>                                        218,055
<ALLOWANCE>                                    4,076
<TOTAL-ASSETS>                                 315,487
<DEPOSITS>                                     273,984
<SHORT-TERM>                                   4,297
<LIABILITIES-OTHER>                            6,361
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       18,644
<OTHER-SE>                                     12,201
<TOTAL-LIABILITIES-AND-EQUITY>                 315,487
<INTEREST-LOAN>                                5,721
<INTEREST-INVEST>                              1,096
<INTEREST-OTHER>                               (3)
<INTEREST-TOTAL>                               6,814
<INTEREST-DEPOSIT>                             2,066
<INTEREST-EXPENSE>                             2,179
<INTEREST-INCOME-NET>                          4,635
<LOAN-LOSSES>                                  180
<SECURITIES-GAINS>                             (41)
<EXPENSE-OTHER>                                2,526
<INCOME-PRETAX>                                2,150
<INCOME-PRE-EXTRAORDINARY>                     2,150
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,242
<EPS-PRIMARY>                                  .47
<EPS-DILUTED>                                  .47
<YIELD-ACTUAL>                                 .065
<LOANS-NON>                                    1,271
<LOANS-PAST>                                   87
<LOANS-TROUBLED>                               175
<LOANS-PROBLEM>                                1,124
<ALLOWANCE-OPEN>                               4,015
<CHARGE-OFFS>                                  148
<RECOVERIES>                                   29
<ALLOWANCE-CLOSE>                              4,076
<ALLOWANCE-DOMESTIC>                           4,076
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        642