<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 10,288 <INT-BEARING-DEPOSITS> 1,890 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,407 <INVESTMENTS-CARRYING> 56,322 <INVESTMENTS-MARKET> 56,446 <LOANS> 185,575 <ALLOWANCE> 2,096 <TOTAL-ASSETS> 290,579 <DEPOSITS> 254,274 <SHORT-TERM> 3,549 <LIABILITIES-OTHER> 3,027 <LONG-TERM> 3,737 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,373 <OTHER-SE> 22,942 <TOTAL-LIABILITIES-AND-EQUITY> 290,579 <INTEREST-LOAN> 8,394 <INTEREST-INVEST> 2,693 <INTEREST-OTHER> 70 <INTEREST-TOTAL> 11,157 <INTEREST-DEPOSIT> 5,421 <INTEREST-EXPENSE> 5,700 <INTEREST-INCOME-NET> 5,457 <LOAN-LOSSES> 105 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,881 <INCOME-PRETAX> 3,055 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,089 <EPS-PRIMARY> 1.52 <EPS-DILUTED> 1.52 <YIELD-ACTUAL> 4.20 <LOANS-NON> 1,809 <LOANS-PAST> 20 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,995 <CHARGE-OFFS> 11 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 2,096 <ALLOWANCE-DOMESTIC> 2,096 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0