<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