<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           5,873
<INT-BEARING-DEPOSITS>                          11,019
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,853
<INVESTMENTS-CARRYING>                          41,429
<INVESTMENTS-MARKET>                            41,884
<LOANS>                                        272,439
<ALLOWANCE>                                      1,193
<TOTAL-ASSETS>                                 387,097
<DEPOSITS>                                     301,855
<SHORT-TERM>                                    10,008
<LIABILITIES-OTHER>                              3,048
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            28
<OTHER-SE>                                      52,158
<TOTAL-LIABILITIES-AND-EQUITY>                 387,097
<INTEREST-LOAN>                                 10,171
<INTEREST-INVEST>                                3,192
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                13,363
<INTEREST-DEPOSIT>                               6,821
<INTEREST-EXPENSE>                               7,180
<INTEREST-INCOME-NET>                            6,183
<LOAN-LOSSES>                                      138
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,514
<INCOME-PRETAX>                                  2,945
<INCOME-PRE-EXTRAORDINARY>                       1,875
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,875
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    7.73
<LOANS-NON>                                        419
<LOANS-PAST>                                        76
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,063
<CHARGE-OFFS>                                      (8)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,193
<ALLOWANCE-DOMESTIC>                             1,193
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0