<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE SECOND QUARTER
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          37,579
<INT-BEARING-DEPOSITS>                             254
<FED-FUNDS-SOLD>                                   564
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,690
<INVESTMENTS-CARRYING>                         132,681
<INVESTMENTS-MARKET>                           133,885
<LOANS>                                        413,409
<ALLOWANCE>                                      5,301
<TOTAL-ASSETS>                                 687,515
<DEPOSITS>                                     525,998
<SHORT-TERM>                                    84,703
<LIABILITIES-OTHER>                              6,092
<LONG-TERM>                                     25,383
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      43,886
<TOTAL-LIABILITIES-AND-EQUITY>                 687,515
<INTEREST-LOAN>                                 18,721
<INTEREST-INVEST>                                6,714
<INTEREST-OTHER>                                   145
<INTEREST-TOTAL>                                25,580
<INTEREST-DEPOSIT>                              10,074
<INTEREST-EXPENSE>                              13,246
<INTEREST-INCOME-NET>                           12,334
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                  9,481
<INCOME-PRETAX>                                  6,218
<INCOME-PRE-EXTRAORDINARY>                       4,027
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,027
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    4.02
<LOANS-NON>                                        266
<LOANS-PAST>                                       807
<LOANS-TROUBLED>                                 1,413
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,306
<CHARGE-OFFS>                                      168
<RECOVERIES>                                       125
<ALLOWANCE-CLOSE>                                5,301
<ALLOWANCE-DOMESTIC>                             2,091
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,210