<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE
30, 1997 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          20,425
<INT-BEARING-DEPOSITS>                           6,678
<FED-FUNDS-SOLD>                                20,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,359
<INVESTMENTS-CARRYING>                          14,646
<INVESTMENTS-MARKET>                            14,968
<LOANS>                                        135,434
<ALLOWANCE>                                      3,596
<TOTAL-ASSETS>                                 288,023
<DEPOSITS>                                     248,987
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,283
<LONG-TERM>                                         90
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      29,041
<TOTAL-LIABILITIES-AND-EQUITY>                 288,023
<INTEREST-LOAN>                                  5,818
<INTEREST-INVEST>                                3,014
<INTEREST-OTHER>                                   538
<INTEREST-TOTAL>                                 9,370
<INTEREST-DEPOSIT>                               3,897
<INTEREST-EXPENSE>                               4,035
<INTEREST-INCOME-NET>                            5,335
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,895
<INCOME-PRETAX>                                  3,558
<INCOME-PRE-EXTRAORDINARY>                       2,446
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,446
<EPS-PRIMARY>                                     8.72
<EPS-DILUTED>                                     8.72
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                        362
<LOANS-PAST>                                     1,028
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    368
<ALLOWANCE-OPEN>                                 3,306
<CHARGE-OFFS>                                      131
<RECOVERIES>                                       168
<ALLOWANCE-CLOSE>                                3,596
<ALLOWANCE-DOMESTIC>                             3,596
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0