<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
1997 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             APR-01-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           7,509
<INT-BEARING-DEPOSITS>                           6,974
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,919
<INVESTMENTS-CARRYING>                           6,475
<INVESTMENTS-MARKET>                             6,715
<LOANS>                                        227,247
<ALLOWANCE>                                      4,066
<TOTAL-ASSETS>                                 358,021
<DEPOSITS>                                     314,300
<SHORT-TERM>                                     2,663
<LIABILITIES-OTHER>                              3,269
<LONG-TERM>                                        671
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           388
<OTHER-SE>                                      36,730
<TOTAL-LIABILITIES-AND-EQUITY>                 358,021
<INTEREST-LOAN>                                  5,331
<INTEREST-INVEST>                                1,849
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,180
<INTEREST-DEPOSIT>                               2,759
<INTEREST-EXPENSE>                               2,789
<INTEREST-INCOME-NET>                            4,391
<LOAN-LOSSES>                                    (198)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,374
<INCOME-PRETAX>                                  2,443
<INCOME-PRE-EXTRAORDINARY>                       2,443
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,624
<EPS-PRIMARY>                                     0.41
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                    5.16
<LOANS-NON>                                        871
<LOANS-PAST>                                       254
<LOANS-TROUBLED>                                 1,401
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,533
<CHARGE-OFFS>                                      496
<RECOVERIES>                                       267
<ALLOWANCE-CLOSE>                                (238)
<ALLOWANCE-DOMESTIC>                             4,066
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0