<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 4760 <INT-BEARING-DEPOSITS> 1489 <FED-FUNDS-SOLD> 10500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16184 <INVESTMENTS-CARRYING> 31152 <INVESTMENTS-MARKET> 31293 <LOANS> 63765 <ALLOWANCE> 578 <TOTAL-ASSETS> 131044 <DEPOSITS> 91046 <SHORT-TERM> 2000 <LIABILITIES-OTHER> 1409 <LONG-TERM> 22984 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4705 <OTHER-SE> 8900 <TOTAL-LIABILITIES-AND-EQUITY> 131044 <INTEREST-LOAN> 5571 <INTEREST-INVEST> 3138 <INTEREST-OTHER> 637 <INTEREST-TOTAL> 9346 <INTEREST-DEPOSIT> 2922 <INTEREST-EXPENSE> 4273 <INTEREST-INCOME-NET> 5073 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 34 <EXPENSE-OTHER> 2978 <INCOME-PRETAX> 2572 <INCOME-PRE-EXTRAORDINARY> 1596 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1596 <EPS-PRIMARY> 1.52 <EPS-DILUTED> 1.39 <YIELD-ACTUAL> 4.4 <LOANS-NON> 360 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 305 <ALLOWANCE-OPEN> 628 <CHARGE-OFFS> 115 <RECOVERIES> 65 <ALLOWANCE-CLOSE> 578 <ALLOWANCE-DOMESTIC> 578 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 219