<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 13990 <INT-BEARING-DEPOSITS> 60 <FED-FUNDS-SOLD> 7600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17578 <INVESTMENTS-CARRYING> 29272 <INVESTMENTS-MARKET> 29275 <LOANS> 233641 <ALLOWANCE> 2560 <TOTAL-ASSETS> 307896 <DEPOSITS> 274362 <SHORT-TERM> 10778 <LIABILITIES-OTHER> 1504 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21252 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 307896 <INTEREST-LOAN> 9512 <INTEREST-INVEST> 1462 <INTEREST-OTHER> 152 <INTEREST-TOTAL> 11126 <INTEREST-DEPOSIT> 4805 <INTEREST-EXPENSE> 4945 <INTEREST-INCOME-NET> 6181 <LOAN-LOSSES> 190 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4616 <INCOME-PRETAX> 2366 <INCOME-PRE-EXTRAORDINARY> 2366 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1374 <EPS-PRIMARY> .39 <EPS-DILUTED> .39 <YIELD-ACTUAL> 4.50 <LOANS-NON> 1421 <LOANS-PAST> 25 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1446 <ALLOWANCE-OPEN> 2481 <CHARGE-OFFS> 424 <RECOVERIES> 313 <ALLOWANCE-CLOSE> 2560 <ALLOWANCE-DOMESTIC> 2560 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0