<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AS OF JUNE 30, 1997 AND DECEMBER 31, 1996 AND CONSOLIDATED
STATEMENTS OF OPERATIONS FOR THE SIX MONTHS ENDED JUNE 30, 1997 AND 1996, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          20,169
<INT-BEARING-DEPOSITS>                           1,478
<FED-FUNDS-SOLD>                                 1,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    113,443
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        484,112
<ALLOWANCE>                                      6,742
<TOTAL-ASSETS>                                 635,982
<DEPOSITS>                                     550,102
<SHORT-TERM>                                     6,875
<LIABILITIES-OTHER>                              6,140
<LONG-TERM>                                     19,770
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        35,038
<OTHER-SE>                                      18,057
<TOTAL-LIABILITIES-AND-EQUITY>                 635,982
<INTEREST-LOAN>                                 22,279
<INTEREST-INVEST>                                3,462
<INTEREST-OTHER>                                   527
<INTEREST-TOTAL>                                26,268
<INTEREST-DEPOSIT>                              11,320
<INTEREST-EXPENSE>                              12,091
<INTEREST-INCOME-NET>                           14,177
<LOAN-LOSSES>                                      738
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                 10,317
<INCOME-PRETAX>                                  4,910
<INCOME-PRE-EXTRAORDINARY>                       4,910
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,244
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.88
<YIELD-ACTUAL>                                    4.72
<LOANS-NON>                                        673
<LOANS-PAST>                                     2,893
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,374
<CHARGE-OFFS>                                      515
<RECOVERIES>                                       145
<ALLOWANCE-CLOSE>                                6,742
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            319