<ARTICLE>                                            9
<LEGEND>
This legend contains summary information extracted from
the Form 10-Q and is qualifed in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER>                                         1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                               5,586
<INT-BEARING-DEPOSITS>                               3,996
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        131,041
<INVESTMENTS-CARRYING>                                 455
<INVESTMENTS-MARKET>                                   448
<LOANS>                                            254,929
<ALLOWANCE>                                         (1,526)
<TOTAL-ASSETS>                                     412,810
<DEPOSITS>                                         318,522
<SHORT-TERM>                                        35,600
<LIABILITIES-OTHER>                                  2,724
<LONG-TERM>                                          9,182
<COMMON>                                                36
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<OTHER-SE>                                          46,746
<TOTAL-LIABILITIES-AND-EQUITY>                     412,810
<INTEREST-LOAN>                                      9,420
<INTEREST-INVEST>                                    5,641
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    15,061
<INTEREST-DEPOSIT>                                   7,722
<INTEREST-EXPENSE>                                   9,316
<INTEREST-INCOME-NET>                                5,745
<LOAN-LOSSES>                                          225
<SECURITIES-GAINS>                                       2
<EXPENSE-OTHER>                                      4,738
<INCOME-PRETAX>                                      1,427
<INCOME-PRE-EXTRAORDINARY>                           1,427
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           846
<EPS-PRIMARY>                                          .27
<EPS-DILUTED>                                          .27
<YIELD-ACTUAL>                                        7.48
<LOANS-NON>                                            974
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       350
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,311
<CHARGE-OFFS>                                           (1)
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                    1,526
<ALLOWANCE-DOMESTIC>                                 1,526
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0