<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-Q AND
CALL REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
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>                                          11,412
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    118,360
<INVESTMENTS-CARRYING>                          68,687
<INVESTMENTS-MARKET>                            68,628
<LOANS>                                        178,020
<ALLOWANCE>                                      2,908
<TOTAL-ASSETS>                                 390,236
<DEPOSITS>                                     324,020
<SHORT-TERM>                                    11,963
<LIABILITIES-OTHER>                              2,123
<LONG-TERM>                                     14,023
<COMMON>                                         5,480
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      32,627
<TOTAL-LIABILITIES-AND-EQUITY>                 390,236
<INTEREST-LOAN>                                  7,758
<INTEREST-INVEST>                                6,125
<INTEREST-OTHER>                                    78
<INTEREST-TOTAL>                                13,961
<INTEREST-DEPOSIT>                               6,000
<INTEREST-EXPENSE>                               6,544
<INTEREST-INCOME-NET>                            7,417
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  31
<EXPENSE-OTHER>                                  4,943
<INCOME-PRETAX>                                  3,252
<INCOME-PRE-EXTRAORDINARY>                       2,244
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,244
<EPS-PRIMARY>                                     2.05
<EPS-DILUTED>                                     2.05
<YIELD-ACTUAL>                                     4.2
<LOANS-NON>                                      1,487
<LOANS-PAST>                                        78
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    878
<ALLOWANCE-OPEN>                                 2,966
<CHARGE-OFFS>                                      103
<RECOVERIES>                                        45
<ALLOWANCE-CLOSE>                                2,908
<ALLOWANCE-DOMESTIC>                             2,369
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            539