<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 27,371 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 581 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 81,368 <INVESTMENTS-CARRYING> 31,835 <INVESTMENTS-MARKET> 32,060 <LOANS> 467,180 <ALLOWANCE> 6,915 <TOTAL-ASSETS> 642,467 <DEPOSITS> 540,705 <SHORT-TERM> 34,866 <LIABILITIES-OTHER> 6,758 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,018 <OTHER-SE> 53,120 <TOTAL-LIABILITIES-AND-EQUITY> 642,467 <INTEREST-LOAN> 23,596 <INTEREST-INVEST> 3,595 <INTEREST-OTHER> 121 <INTEREST-TOTAL> 27,312 <INTEREST-DEPOSIT> 11,216 <INTEREST-EXPENSE> 12,015 <INTEREST-INCOME-NET> 15,297 <LOAN-LOSSES> 1,085 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,267 <INCOME-PRETAX> 5,528 <INCOME-PRE-EXTRAORDINARY> 5,528 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,633 <EPS-PRIMARY> .54 <EPS-DILUTED> .54 <YIELD-ACTUAL> 5.43 <LOANS-NON> 6,439 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 6,439 <ALLOWANCE-OPEN> 6,873 <CHARGE-OFFS> 1,396 <RECOVERIES> 353 <ALLOWANCE-CLOSE> 6,915 <ALLOWANCE-DOMESTIC> 6,915 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 6,915