<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH STATEMENTS.
</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>                                          13,047
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,603
<INVESTMENTS-CARRYING>                          37,904
<INVESTMENTS-MARKET>                            37,886
<LOANS>                                        226,862
<ALLOWANCE>                                      3,621
<TOTAL-ASSETS>                                 330,061
<DEPOSITS>                                     291,227
<SHORT-TERM>                                     1,898
<LIABILITIES-OTHER>                              2,448
<LONG-TERM>                                      3,875
<COMMON>                                         7,932
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      22,681
<TOTAL-LIABILITIES-AND-EQUITY>                 330,061
<INTEREST-LOAN>                                 10,052
<INTEREST-INVEST>                                2,276
<INTEREST-OTHER>                                   145
<INTEREST-TOTAL>                                12,473
<INTEREST-DEPOSIT>                               5,324
<INTEREST-EXPENSE>                               5,578
<INTEREST-INCOME-NET>                            6,895
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                  5,145
<INCOME-PRETAX>                                  2,428
<INCOME-PRE-EXTRAORDINARY>                       1,603
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,603
<EPS-PRIMARY>                                     2.53
<EPS-DILUTED>                                     2.53
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                        311
<LOANS-PAST>                                       723
<LOANS-TROUBLED>                                   459
<LOANS-PROBLEM>                                  1,526
<ALLOWANCE-OPEN>                                 3,368
<CHARGE-OFFS>                                       60
<RECOVERIES>                                       223
<ALLOWANCE-CLOSE>                                3,621
<ALLOWANCE-DOMESTIC>                             3,621
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0