<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 14693 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18436 <INVESTMENTS-CARRYING> 30337 <INVESTMENTS-MARKET> 30506 <LOANS> 161395 <ALLOWANCE> 1863 <TOTAL-ASSETS> 237963 <DEPOSITS> 204173 <SHORT-TERM> 0 <LIABILITIES-OTHER> 12889 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2197 <OTHER-SE> 18704 <TOTAL-LIABILITIES-AND-EQUITY> 237963 <INTEREST-LOAN> 7668 <INTEREST-INVEST> 1632 <INTEREST-OTHER> 24 <INTEREST-TOTAL> 9324 <INTEREST-DEPOSIT> 3585 <INTEREST-EXPENSE> 3677 <INTEREST-INCOME-NET> 5647 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 4332 <INCOME-PRETAX> 2177 <INCOME-PRE-EXTRAORDINARY> 2177 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1637 <EPS-PRIMARY> 1.71 <EPS-DILUTED> 1.71 <YIELD-ACTUAL> 5.44 <LOANS-NON> 146 <LOANS-PAST> 483 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3176 <ALLOWANCE-OPEN> 1814 <CHARGE-OFFS> 154 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 1863 <ALLOWANCE-DOMESTIC> 633 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1230