<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>