<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 9,874 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,289 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 168,118 <INVESTMENTS-CARRYING> 21,816 <INVESTMENTS-MARKET> 22,145 <LOANS> 235,869 <ALLOWANCE> 2,607 <TOTAL-ASSETS> 460,368 <DEPOSITS> 251,627 <SHORT-TERM> 134,202 <LIABILITIES-OTHER> 4,607 <LONG-TERM> 28,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 978 <OTHER-SE> 40,204 <TOTAL-LIABILITIES-AND-EQUITY> 460,368 <INTEREST-LOAN> 11,340 <INTEREST-INVEST> 1,909 <INTEREST-OTHER> 331 <INTEREST-TOTAL> 13,580 <INTEREST-DEPOSIT> 5,435 <INTEREST-EXPENSE> 6,437 <INTEREST-INCOME-NET> 7,143 <LOAN-LOSSES> 457 <SECURITIES-GAINS> 8 <EXPENSE-OTHER> 4,414 <INCOME-PRETAX> 3,421 <INCOME-PRE-EXTRAORDINARY> 3,421 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,390 <EPS-PRIMARY> .57 <EPS-DILUTED> .57 <YIELD-ACTUAL> 5.01<F1> <LOANS-NON> 796 <LOANS-PAST> 897 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,523 <CHARGE-OFFS> 472 <RECOVERIES> 100 <ALLOWANCE-CLOSE> 2,607 <ALLOWANCE-DOMESTIC> 2,607 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>Computed on a tax-equivalent basis. </FN>