<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 24,849,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,143,000 <INVESTMENTS-CARRYING> 14,171,000 <INVESTMENTS-MARKET> 14,182,000 <LOANS> 228,684,000 <ALLOWANCE> 2,814,000 <TOTAL-ASSETS> 332,433,000 <DEPOSITS> 300,820,000 <SHORT-TERM> 3,000,000 <LIABILITIES-OTHER> 1,127,000 <LONG-TERM> 4,575,000 <COMMON> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 22,908,000 <TOTAL-LIABILITIES-AND-EQUITY> 332,433,000 <INTEREST-LOAN> 11,578,000 <INTEREST-INVEST> 2,169,000 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 13,747,000 <INTEREST-DEPOSIT> 3,447,000 <INTEREST-EXPENSE> 4,068,000 <INTEREST-INCOME-NET> 9,679,000 <LOAN-LOSSES> 216,000 <SECURITIES-GAINS> (9,000) <EXPENSE-OTHER> 7,278,000 <INCOME-PRETAX> 3,314,000 <INCOME-PRE-EXTRAORDINARY> 3,314,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,924,000 <EPS-PRIMARY> 0.69 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 6.85 <LOANS-NON> 703,000 <LOANS-PAST> 725,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,121,000 <CHARGE-OFFS> 643,000 <RECOVERIES> (120,000) <ALLOWANCE-CLOSE> 2,814,000 <ALLOWANCE-DOMESTIC> 2,814,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0