<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>                                          20,873
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                29,775
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,579
<INVESTMENTS-CARRYING>                         104,251
<INVESTMENTS-MARKET>                           104,086
<LOANS>                                        205,947
<ALLOWANCE>                                      4,447
<TOTAL-ASSETS>                                 430,820
<DEPOSITS>                                     172,084
<SHORT-TERM>                                     3,378
<LIABILITIES-OTHER>                              7,483
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                       4,740
<TOTAL-LIABILITIES-AND-EQUITY>                 430,820
<INTEREST-LOAN>                                  8,529
<INTEREST-INVEST>                                4,873
<INTEREST-OTHER>                                   876
<INTEREST-TOTAL>                                14,278
<INTEREST-DEPOSIT>                               1,992
<INTEREST-EXPENSE>                               2,044
<INTEREST-INCOME-NET>                           12,234
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,669
<INCOME-PRETAX>                                  4,764
<INCOME-PRE-EXTRAORDINARY>                       4,764
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,130
<EPS-PRIMARY>                                      .80
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    6.26
<LOANS-NON>                                        225
<LOANS-PAST>                                       166
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 4,396
<CHARGE-OFFS>                                      411
<RECOVERIES>                                       162
<ALLOWANCE-CLOSE>                                4,447
<ALLOWANCE-DOMESTIC>                             4,447
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Provided in the December 31, 1997 10-K.