<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
1997 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996
<PERIOD-START> JAN-01-1997 JAN-01-1996
<PERIOD-END> JUN-30-1997 JUN-30-1996
<CASH> 15067 10326
<INT-BEARING-DEPOSITS> 3000 700
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 51059 40640
<INVESTMENTS-CARRYING> 52670 54029
<INVESTMENTS-MARKET> 0 0
<LOANS> 356817 347995
<ALLOWANCE> (2938) (3236)
<TOTAL-ASSETS> 496903 470710
<DEPOSITS> 428052 412513
<SHORT-TERM> 29529 22601
<LIABILITIES-OTHER> 2498 2312
<LONG-TERM> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 49 50
<COMMON> 2377 2357
<OTHER-SE> 34398 30877
<TOTAL-LIABILITIES-AND-EQUITY> 496903 470710
<INTEREST-LOAN> 14989 14510
<INTEREST-INVEST> 3280 2783
<INTEREST-OTHER> 166 211
<INTEREST-TOTAL> 18435 17504
<INTEREST-DEPOSIT> 7597 7230
<INTEREST-EXPENSE> 8264 8186
<INTEREST-INCOME-NET> 10171 9318
<LOAN-LOSSES> 745 742
<SECURITIES-GAINS> 37 1
<EXPENSE-OTHER> 6920 6334
<INCOME-PRETAX> 4079 3520
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2527 2143
<EPS-PRIMARY> .98 .83
<EPS-DILUTED> .98 .83
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 0 0
<CHARGE-OFFS> 0 0
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 0 0
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0