<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 33,428 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 42,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 54,169 <INVESTMENTS-CARRYING> 47,111 <INVESTMENTS-MARKET> 48,072 <LOANS> 513,846 <ALLOWANCE> (10,895) <TOTAL-ASSETS> 719,051 <DEPOSITS> 639,737 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,818 <LONG-TERM> 23,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 35,957 <OTHER-SE> 12,539 <TOTAL-LIABILITIES-AND-EQUITY> 719,051 <INTEREST-LOAN> 24,304 <INTEREST-INVEST> 3,094 <INTEREST-OTHER> 1,070 <INTEREST-TOTAL> 28,468 <INTEREST-DEPOSIT> 9,846 <INTEREST-EXPENSE> 10,902 <INTEREST-INCOME-NET> 17,566 <LOAN-LOSSES> 4,078 <SECURITIES-GAINS> (49) <EXPENSE-OTHER> 10,706 <INCOME-PRETAX> 5,972 <INCOME-PRE-EXTRAORDINARY> 5,972 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,690 <EPS-PRIMARY> 1.05 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 9.36 <LOANS-NON> 3,170 <LOANS-PAST> 3 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,312 <CHARGE-OFFS> 513 <RECOVERIES> 18 <ALLOWANCE-CLOSE> 10,895 <ALLOWANCE-DOMESTIC> 10,895 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0