<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON 
PAGE 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR JUNE 30, 1997 AND IS QUALIFIED 
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                      28,290,000
<INT-BEARING-DEPOSITS>                         499,000
<FED-FUNDS-SOLD>                             8,400,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,538,000
<INVESTMENTS-CARRYING>                      12,937,000
<INVESTMENTS-MARKET>                        12,946,000
<LOANS>                                    194,976,000
<ALLOWANCE>                                  3,253,000
<TOTAL-ASSETS>                             279,421,000
<DEPOSITS>                                 252,610,000
<SHORT-TERM>                                 1,112,000
<LIABILITIES-OTHER>                          2,084,000
<LONG-TERM>                                  1,914,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,797,000
<OTHER-SE>                                   9,904,000
<TOTAL-LIABILITIES-AND-EQUITY>              21,701,000
<INTEREST-LOAN>                              9,338,000
<INTEREST-INVEST>                              919,000
<INTEREST-OTHER>                               207,000
<INTEREST-TOTAL>                            10,464,000
<INTEREST-DEPOSIT>                           2,715,000
<INTEREST-EXPENSE>                           2,907,000
<INTEREST-INCOME-NET>                        7,557,000
<LOAN-LOSSES>                                  618,000
<SECURITIES-GAINS>                            (42,000)
<EXPENSE-OTHER>                              7,652,000
<INCOME-PRETAX>                              2,383,000
<INCOME-PRE-EXTRAORDINARY>                   1,463,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,463,000
<EPS-PRIMARY>                                     0.35
<EPS-DILUTED>                                     0.33
<YIELD-ACTUAL>                                    9.31
<LOANS-NON>                                  4,105,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                             4,350,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            3,129,,000
<CHARGE-OFFS>                                  523,000
<RECOVERIES>                                    29,000
<ALLOWANCE-CLOSE>                            3,253,000
<ALLOWANCE-DOMESTIC>                         3,253,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0