<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED JUNE 30, 1997 AS PRESENTED IN ITS SECOND QUARTER 1997 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          32,916
<INT-BEARING-DEPOSITS>                           1,133
<FED-FUNDS-SOLD>                                 2,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    187,547
<INVESTMENTS-CARRYING>                           6,708
<INVESTMENTS-MARKET>                             6,708
<LOANS>                                        296,915
<ALLOWANCE>                                      4,024
<TOTAL-ASSETS>                                 549,117
<DEPOSITS>                                     457,491
<SHORT-TERM>                                    12,974
<LIABILITIES-OTHER>                             10,436
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      47,465
<TOTAL-LIABILITIES-AND-EQUITY>                 549,117
<INTEREST-LOAN>                                 13,044
<INTEREST-INVEST>                                6,129
<INTEREST-OTHER>                                   228
<INTEREST-TOTAL>                                19,400
<INTEREST-DEPOSIT>                               7,262
<INTEREST-EXPENSE>                               7,931
<INTEREST-INCOME-NET>                           11,469
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                  32
<EXPENSE-OTHER>                                  9,818
<INCOME-PRETAX>                                  4,617
<INCOME-PRE-EXTRAORDINARY>                       3,039
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,039
<EPS-PRIMARY>                                     1.47
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                    4.74
<LOANS-NON>                                        922
<LOANS-PAST>                                       503
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,975
<CHARGE-OFFS>                                      444
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                4,024
<ALLOWANCE-DOMESTIC>                             2,526
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,498