<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 37,639 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 27,804 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 73,465 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 350,584 <ALLOWANCE> 5,062 <TOTAL-ASSETS> 507,894 <DEPOSITS> 446,245 <SHORT-TERM> 7,342 <LIABILITIES-OTHER> 2,522 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,807 <OTHER-SE> 13,978 <TOTAL-LIABILITIES-AND-EQUITY> 507,894 <INTEREST-LOAN> 15,759 <INTEREST-INVEST> 1,959 <INTEREST-OTHER> 717 <INTEREST-TOTAL> 18,435 <INTEREST-DEPOSIT> 6,031 <INTEREST-EXPENSE> 6,246 <INTEREST-INCOME-NET> 12,189 <LOAN-LOSSES> 650 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,790 <INCOME-PRETAX> 4,192 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,447 <EPS-PRIMARY> 0.33 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.52 <LOANS-NON> 7,290 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,947 <CHARGE-OFFS> 646 <RECOVERIES> 111 <ALLOWANCE-CLOSE> 5,062 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0