<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30, 1997
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          12,838
<INT-BEARING-DEPOSITS>                           2,837
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     60,684
<INVESTMENTS-CARRYING>                          97,176
<INVESTMENTS-MARKET>                            97,186
<LOANS>                                        211,072
<ALLOWANCE>                                      2,438
<TOTAL-ASSETS>                                 393,958
<DEPOSITS>                                     337,569
<SHORT-TERM>                                     1,384
<LIABILITIES-OTHER>                              3,480
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      42,043
<TOTAL-LIABILITIES-AND-EQUITY>                 393,958
<INTEREST-LOAN>                                  9,422
<INTEREST-INVEST>                                4,901
<INTEREST-OTHER>                                   312
<INTEREST-TOTAL>                                14,635
<INTEREST-DEPOSIT>                               6,420
<INTEREST-EXPENSE>                               6,451
<INTEREST-INCOME-NET>                            8,184
<LOAN-LOSSES>                                      209
<SECURITIES-GAINS>                                  14
<EXPENSE-OTHER>                                  4,952
<INCOME-PRETAX>                                  4,413
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,201
<EPS-PRIMARY>                                      .84
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0