<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           12820
<INT-BEARING-DEPOSITS>                             103
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      59016
<INVESTMENTS-CARRYING>                           32300
<INVESTMENTS-MARKET>                             32294
<LOANS>                                         237142
<ALLOWANCE>                                       3100
<TOTAL-ASSETS>                                  352567
<DEPOSITS>                                      269737
<SHORT-TERM>                                     36373
<LIABILITIES-OTHER>                               2724
<LONG-TERM>                                       7096
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2030
<OTHER-SE>                                       34607
<TOTAL-LIABILITIES-AND-EQUITY>                  352567
<INTEREST-LOAN>                                  10302
<INTEREST-INVEST>                                 2590
<INTEREST-OTHER>                                    21
<INTEREST-TOTAL>                                 12913
<INTEREST-DEPOSIT>                                4915
<INTEREST-EXPENSE>                                5844
<INTEREST-INCOME-NET>                             7069
<LOAN-LOSSES>                                      385
<SECURITIES-GAINS>                                 204
<EXPENSE-OTHER>                                   5579
<INCOME-PRETAX>                                   3063
<INCOME-PRE-EXTRAORDINARY>                        3063
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2318
<EPS-PRIMARY>                                     1.26
<EPS-DILUTED>                                     1.25
<YIELD-ACTUAL>                                    8.36
<LOANS-NON>                                       1538
<LOANS-PAST>                                      1685
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3060
<CHARGE-OFFS>                                      391
<RECOVERIES>                                        46
<ALLOWANCE-CLOSE>                                 3100
<ALLOWANCE-DOMESTIC>                              3100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            366