<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 2,929 <INT-BEARING-DEPOSITS> 10,146 <FED-FUNDS-SOLD> 15,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,719 <INVESTMENTS-CARRYING> 8,018 <INVESTMENTS-MARKET> 8,019 <LOANS> 134,626 <ALLOWANCE> 1,605 <TOTAL-ASSETS> 195,290 <DEPOSITS> 136,519 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,026 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 61 <OTHER-SE> 41,684 <TOTAL-LIABILITIES-AND-EQUITY> 195,290 <INTEREST-LOAN> 5,220 <INTEREST-INVEST> 219 <INTEREST-OTHER> 1,017 <INTEREST-TOTAL> 6,456 <INTEREST-DEPOSIT> 3,181 <INTEREST-EXPENSE> 4,021 <INTEREST-INCOME-NET> 2,435 <LOAN-LOSSES> 500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,971 <INCOME-PRETAX> 6,447 <INCOME-PRE-EXTRAORDINARY> 6,447 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,765 <EPS-PRIMARY> 1.17 <EPS-DILUTED> 1.17 <YIELD-ACTUAL> 8.97 <LOANS-NON> 2,536 <LOANS-PAST> 0 <LOANS-TROUBLED> 130 <LOANS-PROBLEM> 740 <ALLOWANCE-OPEN> 1,625 <CHARGE-OFFS> 529 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,605 <ALLOWANCE-DOMESTIC> 1,605 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,323