<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> 20,335 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 716 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,208 <INVESTMENTS-CARRYING> 8,214 <INVESTMENTS-MARKET> 8,192 <LOANS> 438,358 <ALLOWANCE> 8,244 <TOTAL-ASSETS> 521,564 <DEPOSITS> 442,995 <SHORT-TERM> 8,951 <LIABILITIES-OTHER> 7,216 <LONG-TERM> 13,062 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,514 <OTHER-SE> 44,826 <TOTAL-LIABILITIES-AND-EQUITY> 521,564 <INTEREST-LOAN> 21,448 <INTEREST-INVEST> 1,505 <INTEREST-OTHER> 75 <INTEREST-TOTAL> 23,028 <INTEREST-DEPOSIT> 8,421 <INTEREST-EXPENSE> 8,972 <INTEREST-INCOME-NET> 14,056 <LOAN-LOSSES> 1,224 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 7,419 <INCOME-PRETAX> 7,371 <INCOME-PRE-EXTRAORDINARY> 7,371 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,586 <EPS-PRIMARY> 10.13 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.89 <LOANS-NON> 628 <LOANS-PAST> 1,302 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 10,057 <ALLOWANCE-OPEN> 7,331 <CHARGE-OFFS> 551 <RECOVERIES> 240 <ALLOWANCE-CLOSE> 8,244 <ALLOWANCE-DOMESTIC> 8,244 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0