<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> 13,936 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 575 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,471 <INVESTMENTS-CARRYING> 13,403 <INVESTMENTS-MARKET> 13,603 <LOANS> 248,136 <ALLOWANCE> 2,497 <TOTAL-ASSETS> 352,437 <DEPOSITS> 300,881 <SHORT-TERM> 8,850 <LIABILITIES-OTHER> 2,039 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 33,855 <TOTAL-LIABILITIES-AND-EQUITY> 352,437 <INTEREST-LOAN> 10,177 <INTEREST-INVEST> 2,289 <INTEREST-OTHER> 56 <INTEREST-TOTAL> 12,522 <INTEREST-DEPOSIT> 5,347 <INTEREST-EXPENSE> 202 <INTEREST-INCOME-NET> 6,973 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 59 <EXPENSE-OTHER> 5,222 <INCOME-PRETAX> 1,908 <INCOME-PRE-EXTRAORDINARY> 1,908 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,908 <EPS-PRIMARY> 1.11 <EPS-DILUTED> 1.11 <YIELD-ACTUAL> 8.13 <LOANS-NON> 228 <LOANS-PAST> 748 <LOANS-TROUBLED> 626 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,473 <CHARGE-OFFS> 338 <RECOVERIES> 62 <ALLOWANCE-CLOSE> 2,497 <ALLOWANCE-DOMESTIC> 2,497 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0