<ARTICLE>                                            9
<LEGEND>
   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
   THE CONSOLIDATED CONDENSED BALANCE SHEET AT JUNE 30, 1997 (UNAUDITED),
   CONSOLIDATED CONDENSED STATEMENT OF INCOME FOR THE SIX MONTHS
   ENDED JUNE 30, 1997 (UNAUDITED) AND THE NOTES TO THE CONSOLIDATED
   CONDENSED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
   REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          15,169
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,234
<INVESTMENTS-CARRYING>                          22,472
<INVESTMENTS-MARKET>                            22,444
<LOANS>                                        272,632
<ALLOWANCE>                                      2,947
<TOTAL-ASSETS>                                 371,602
<DEPOSITS>                                     326,910
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                              4,024
<LONG-TERM>                                      4,425
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,734
<OTHER-SE>                                      15,509
<TOTAL-LIABILITIES-AND-EQUITY>                 371,602
<INTEREST-LOAN>                                 12,684
<INTEREST-INVEST>                                2,323
<INTEREST-OTHER>                                   200
<INTEREST-TOTAL>                                15,207
<INTEREST-DEPOSIT>                               6,978
<INTEREST-EXPENSE>                               7,527
<INTEREST-INCOME-NET>                            7,680
<LOAN-LOSSES>                                      296
<SECURITIES-GAINS>                                 (91)
<EXPENSE-OTHER>                                  5,431
<INCOME-PRETAX>                                  2,342
<INCOME-PRE-EXTRAORDINARY>                       1,573
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,573
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.67
<YIELD-ACTUAL>                                   0.089
<LOANS-NON>                                      5,008
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,665
<CHARGE-OFFS>                                       68
<RECOVERIES>                                        54
<ALLOWANCE-CLOSE>                                2,947
<ALLOWANCE-DOMESTIC>                             2,817
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            130