<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF CHOICEONE FINANCIAL SERVICES, INC. INCLUDED IN THE JUNE 30, 1997, FORM 10-QSB FILING AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 3,580 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 21,972 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 118,787 <ALLOWANCE> 1,650 <TOTAL-ASSETS> 148,994 <DEPOSITS> 103,764 <SHORT-TERM> 1,850 <LIABILITIES-OTHER> 1,558 <LONG-TERM> 26,872 <COMMON> 5,114 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 9,836 <TOTAL-LIABILITIES-AND-EQUITY> 148,994 <INTEREST-LOAN> 5,269 <INTEREST-INVEST> 679 <INTEREST-OTHER> 1 <INTEREST-TOTAL> 5,949 <INTEREST-DEPOSIT> 1,971 <INTEREST-EXPENSE> 2,947 <INTEREST-INCOME-NET> 3,002 <LOAN-LOSSES> 314 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,275 <INCOME-PRETAX> 1,176 <INCOME-PRE-EXTRAORDINARY> 825 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 825 <EPS-PRIMARY> 1.61 <EPS-DILUTED> 1.61 <YIELD-ACTUAL> 4.66 <LOANS-NON> 1,133 <LOANS-PAST> 149 <LOANS-TROUBLED> 29 <LOANS-PROBLEM> 691 <ALLOWANCE-OPEN> 1,487 <CHARGE-OFFS> 181 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 1,650 <ALLOWANCE-DOMESTIC> 1,267 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 383