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<PERIOD-TYPE>                                                  6-MOS
<FISCAL-YEAR-END>                                                          DEC-31-1997
<PERIOD-END>                                                               JUN-30-1997
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<LOAN-LOSSES>                                                                       90
<SECURITIES-GAINS>                                                                 (7)
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<INCOME-PRETAX>                                                                  3,051
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<EPS-PRIMARY>                                                                     1.18
<EPS-DILUTED>                                                                     1.18
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<CHARGE-OFFS>                                                                       11
<RECOVERIES>                                                                         4
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<ALLOWANCE-DOMESTIC>                                                             2,010
<ALLOWANCE-FOREIGN>                                                                  0
<ALLOWANCE-UNALLOCATED>                                                              0