<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           6,339
<INT-BEARING-DEPOSITS>                           5,057
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,487
<INVESTMENTS-CARRYING>                          18,363
<INVESTMENTS-MARKET>                            18,253
<LOANS>                                        146,699
<ALLOWANCE>                                      2,302
<TOTAL-ASSETS>                                 253,211
<DEPOSITS>                                     204,596
<SHORT-TERM>                                     4,936
<LIABILITIES-OTHER>                              1,553
<LONG-TERM>                                     13,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,956
<OTHER-SE>                                      27,170
<TOTAL-LIABILITIES-AND-EQUITY>                 253,211
<INTEREST-LOAN>                                  6,145
<INTEREST-INVEST>                                3,128
<INTEREST-OTHER>                                    81
<INTEREST-TOTAL>                                 9,353
<INTEREST-DEPOSIT>                               4,026
<INTEREST-EXPENSE>                                 487
<INTEREST-INCOME-NET>                            4,840
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  2,401
<INCOME-PRETAX>                                  2,853
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,270
<EPS-PRIMARY>                                     2.32
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.57
<LOANS-NON>                                        247
<LOANS-PAST>                                       222
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   1326
<ALLOWANCE-OPEN>                                  2267
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                 2302
<ALLOWANCE-DOMESTIC>                              2302
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            630