<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-3O-1997 <CASH> 19114 <INT-BEARING-DEPOSITS> 414663 <FED-FUNDS-SOLD> 1900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 70272 <INVESTMENTS-CARRYING> 26698 <INVESTMENTS-MARKET> 27119 <LOANS> 414863 <ALLOWANCE> 2188 <TOTAL-ASSETS> 547497 <DEPOSITS> 472381 <SHORT-TERM> 13000 <LIABILITIES-OTHER> 4849 <LONG-TERM> 0 <COMMON> 63 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 57204 <TOTAL-LIABILITIES-AND-EQUITY> 574497 <INTEREST-LOAN> 17836 <INTEREST-INVEST> 3095 <INTEREST-OTHER> 53 <INTEREST-TOTAL> 20984 <INTEREST-DEPOSIT> 8820 <INTEREST-EXPENSE> 8945 <INTEREST-INCOME-NET> 12039 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10205 <INCOME-PRETAX> 4544 <INCOME-PRE-EXTRAORDINARY> 3073 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3073 <EPS-PRIMARY> .48 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.94 <LOANS-NON> 583 <LOANS-PAST> 1008 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 303 <RECOVERIES> 58 <ALLOWANCE-CLOSE> 2188 <ALLOWANCE-DOMESTIC> 2188 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0