<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 33,240 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 13,159 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,294 <INVESTMENTS-CARRYING> 234,972 <INVESTMENTS-MARKET> 234,991 <LOANS> 504,745 <ALLOWANCE> 4,412 <TOTAL-ASSETS> 831,870 <DEPOSITS> 698,904 <SHORT-TERM> 46,355 <LIABILITIES-OTHER> 5,985 <LONG-TERM> 6,576 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 24,318 <OTHER-SE> 49,732 <TOTAL-LIABILITIES-AND-EQUITY> 831,870 <INTEREST-LOAN> 20,796 <INTEREST-INVEST> 7,402 <INTEREST-OTHER> 749 <INTEREST-TOTAL> 28,947 <INTEREST-DEPOSIT> 11,508 <INTEREST-EXPENSE> 12,905 <INTEREST-INCOME-NET> 16,042 <LOAN-LOSSES> 430 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 10,954 <INCOME-PRETAX> 7,515 <INCOME-PRE-EXTRAORDINARY> 7,515 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,086 <EPS-PRIMARY> 2.09 <EPS-DILUTED> 2.09 <YIELD-ACTUAL> 4.35 <LOANS-NON> 655 <LOANS-PAST> 1,961 <LOANS-TROUBLED> 8 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,414 <CHARGE-OFFS> 509 <RECOVERIES> 430 <ALLOWANCE-CLOSE> 4,412 <ALLOWANCE-DOMESTIC> 4,412 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0