<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