<ARTICLE> 9
<LEGEND>
the schedule contains summary financial information extracted from the
consolidated balance sheet and the consolidated statement of income filed as
part of the quarterly report on form 10-q and is qualified in its entirety by
reference to such financial statements
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           6,689
<INT-BEARING-DEPOSITS>                           3,168
<FED-FUNDS-SOLD>                                 5,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,941
<INVESTMENTS-CARRYING>                          52,721
<INVESTMENTS-MARKET>                            53,448
<LOANS>                                        166,801
<ALLOWANCE>                                      2,224
<TOTAL-ASSETS>                                 270,214
<DEPOSITS>                                     226,426
<SHORT-TERM>                                     5,060
<LIABILITIES-OTHER>                              1,025
<LONG-TERM>                                     12,258
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,164
<OTHER-SE>                                      17,281
<TOTAL-LIABILITIES-AND-EQUITY>                 270,214
<INTEREST-LOAN>                                  8,101
<INTEREST-INVEST>                                2,128
<INTEREST-OTHER>                                   460
<INTEREST-TOTAL>                                10,689
<INTEREST-DEPOSIT>                               4,704
<INTEREST-EXPENSE>                               5,183
<INTEREST-INCOME-NET>                            5,506
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,034
<INCOME-PRETAX>                                  3,042
<INCOME-PRE-EXTRAORDINARY>                       2,158
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,158
<EPS-PRIMARY>                                     1.66
<EPS-DILUTED>                                     1.66
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                        494
<LOANS-PAST>                                       548
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,121
<CHARGE-OFFS>                                      125
<RECOVERIES>                                        28
<ALLOWANCE-CLOSE>                                2,224
<ALLOWANCE-DOMESTIC>                             1,514
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            710