<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                              APR-1-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           5,646
<INT-BEARING-DEPOSITS>                           1,008
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,390
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        273,756
<ALLOWANCE>                                        763
<TOTAL-ASSETS>                                 378,325
<DEPOSITS>                                     278,345
<SHORT-TERM>                                    50,850
<LIABILITIES-OTHER>                              7,531
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            45
<OTHER-SE>                                      41,554
<TOTAL-LIABILITIES-AND-EQUITY>                 378,325
<INTEREST-LOAN>                                 11,365
<INTEREST-INVEST>                                2,706
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                14,071
<INTEREST-DEPOSIT>                               6,426
<INTEREST-EXPENSE>                               8,019
<INTEREST-INCOME-NET>                            6,052
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                  93
<EXPENSE-OTHER>                                  3,607
<INCOME-PRETAX>                                  3,070
<INCOME-PRE-EXTRAORDINARY>                       2,007
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,007
<EPS-PRIMARY>                                     0.73
<EPS-DILUTED>                                     0.73
<YIELD-ACTUAL>                                    7.91
<LOANS-NON>                                      1,133
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   751
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  763
<ALLOWANCE-DOMESTIC>                               763
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0