<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 43375 <INT-BEARING-DEPOSITS> 472 <FED-FUNDS-SOLD> 64643 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117681 <INVESTMENTS-CARRYING> 9040 <INVESTMENTS-MARKET> 9041 <LOANS> 422575 <ALLOWANCE> 4074 <TOTAL-ASSETS> 680011 <DEPOSITS> 607594 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5005 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 49775 <OTHER-SE> 17637 <TOTAL-LIABILITIES-AND-EQUITY> 680011 <INTEREST-LOAN> 19996 <INTEREST-INVEST> 5039 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 25035 <INTEREST-DEPOSIT> 7984 <INTEREST-EXPENSE> 8005 <INTEREST-INCOME-NET> 17030 <LOAN-LOSSES> 570 <SECURITIES-GAINS> 11 <EXPENSE-OTHER> 9924 <INCOME-PRETAX> 8140 <INCOME-PRE-EXTRAORDINARY> 8140 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4923 <EPS-PRIMARY> 1.16 <EPS-DILUTED> 1.16 <YIELD-ACTUAL> 8.80 <LOANS-NON> 1785 <LOANS-PAST> 49 <LOANS-TROUBLED> 245 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3672 <CHARGE-OFFS> 281 <RECOVERIES> 113 <ALLOWANCE-CLOSE> 4074 <ALLOWANCE-DOMESTIC> 4074 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0