<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 4950 <INT-BEARING-DEPOSITS> 30704 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32500 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 143793 <ALLOWANCE> 2182 <TOTAL-ASSETS> 216298 <DEPOSITS> 173764 <SHORT-TERM> 10035 <LIABILITIES-OTHER> 2258 <LONG-TERM> 4754 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1323 <OTHER-SE> 24164 <TOTAL-LIABILITIES-AND-EQUITY> 216298 <INTEREST-LOAN> 6694 <INTEREST-INVEST> 1786 <INTEREST-OTHER> 9 <INTEREST-TOTAL> 8489 <INTEREST-DEPOSIT> 3577 <INTEREST-EXPENSE> 3816 <INTEREST-INCOME-NET> 4673 <LOAN-LOSSES> 50 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 2443 <INCOME-PRETAX> 2599 <INCOME-PRE-EXTRAORDINARY> 2599 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1835 <EPS-PRIMARY> 1.41 <EPS-DILUTED> 1.41 <YIELD-ACTUAL> 8.7 <LOANS-NON> 965 <LOANS-PAST> 403 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2571 <ALLOWANCE-OPEN> 2173 <CHARGE-OFFS> 138 <RECOVERIES> 97 <ALLOWANCE-CLOSE> 2182 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0