<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