WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
       
                                          
<PERIOD-TYPE>            3-MOS       6-MOS       9-MOS      12-MOS
<FISCAL-YEAR-END>  DEC-31-1997 DEC-31-1997 DEC-31-1997 DEC-31-1997
<PERIOD-END>       MAR-31-1997 JUN-30-1997 SEP-30-1997 DEC-31-1997
<CASH>                    4912        4352        4428        4760
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<INVESTMENTS-CARRYING>   23526       36095       35439       31152
<INVESTMENTS-MARKET>     23266       36083       35088       31293
<LOANS>                  52269       52653       55115       63765
<ALLOWANCE>                620         625         543         578
<TOTAL-ASSETS>          122944      123220      125552      131044
<DEPOSITS>               91603       86381       88074       91046
<SHORT-TERM>                 0        5000        5000        2000
<LIABILITIES-OTHER>        969        1174        1495        1409
<LONG-TERM>              18165       18094       18039       22984
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<PREFERRED>                  0           0           0           0
<COMMON>                  4461        4509        4531        4705
<OTHER-SE>                7746        8062        8413        8900
<TOTAL-LIABILITIES-
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<INTEREST-LOAN>           1303        2634        4022        5571
<INTEREST-INVEST>          592        1445        2317        3138
<INTEREST-OTHER>           224         331         498         637
<INTEREST-TOTAL>          2119        4410        6837        9346
<INTEREST-DEPOSIT>         731        1428        2176        2922
<INTEREST-EXPENSE>        1011        2066        3170        4273
<INTEREST-INCOME-NET>     1108        2344        3667        5073
<LOAN-LOSSES>                0           0           0           0
<SECURITIES-GAINS>           0         (34)         34          34
<EXPENSE-OTHER>            780        1570        2349        2978
<INCOME-PRETAX>            450         973        1726        2572
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<EPS-PRIMARY>             0.27        0.58        1.02        1.52
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