<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE COMPANY'S QUARTERLY REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996 <PERIOD-START> JAN-01-1997 JAN-01-1996 <PERIOD-END> JUN-30-1997 JUN-30-1996 <CASH> 18,694 17,314 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 12,200 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 30,998 6,068 <INVESTMENTS-CARRYING> 34,119 43,838 <INVESTMENTS-MARKET> 34,291 44,092 <LOANS> 214,276 162,625 <ALLOWANCE> 4,791 5,050 <TOTAL-ASSETS> 302,001 244,376 <DEPOSITS> 261,148 211,611 <SHORT-TERM> 2,300 0 <LIABILITIES-OTHER> 2,816 1,409 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 31,220 36,918 <OTHER-SE> 4,517 (5,562) <TOTAL-LIABILITIES-AND-EQUITY> 302,001 244,376 <INTEREST-LOAN> 9,994 8,185 <INTEREST-INVEST> 2,327 1,935 <INTEREST-OTHER> 0 0 <INTEREST-TOTAL> 12,321 10,120 <INTEREST-DEPOSIT> 3,394 2,237 <INTEREST-EXPENSE> 3,426 2,268 <INTEREST-INCOME-NET> 8,895 7,852 <LOAN-LOSSES> 50 450 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 5,851 5,459 <INCOME-PRETAX> 3,435 2,300 <INCOME-PRE-EXTRAORDINARY> 3,435 2,300 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,175 1,910 <EPS-PRIMARY> .47 .41 <EPS-DILUTED> .47 .41 <YIELD-ACTUAL> 6.70 7.27 <LOANS-NON> 4,378 2,620 <LOANS-PAST> 467 518 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 4,969 4,960 <CHARGE-OFFS> 332 626 <RECOVERIES> 104 266 <ALLOWANCE-CLOSE> 4,791 5,050 <ALLOWANCE-DOMESTIC> 4,791 5,050 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,139 1,909