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 <INT-BEARING- DEPOSITS> 0 0 1489 1489 <FED-FUNDS-SOLD> 20000 7200 10700 10500 <TRADING-ASSETS> 0 0 0 0 <INVESTMENTS-HELD- FOR-SALE> 17316 19075 15132 16184 <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 <PREFERRED-MANDATORY> 0 0 0 0 <PREFERRED> 0 0 0 0 <COMMON> 4461 4509 4531 4705 <OTHER-SE> 7746 8062 8413 8900 <TOTAL-LIABILITIES- AND-EQUITY> 122944 123220 125552 131044 <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 <INCOME-PRE- EXTRAORDINARY> 279 603 1070 1596 <EXTRAORDINARY> 0 0 0 0 <CHANGES> 0 0 0 0 <NET-INCOME> 279 603 1070 1596 <EPS-PRIMARY> 0.27 0.58 1.02 1.52 <EPS-DILUTED> 0.24 0.51 0.91 1.39 <YIELD-ACTUAL> 7.5 7.9 8.1 8.0 <LOANS-NON> 0 0 365 360 <LOANS-PAST> 0 0 0 0 <LOANS-TROUBLED> 183 106 0 0 <LOANS-PROBLEM> 788 757 1032 305 <ALLOWANCE-OPEN> 628 628 628 628 <CHARGE-OFFS> 18 23 115 115 <RECOVERIES> 10 20 30 65 <ALLOWANCE-CLOSE> 620 625 543 578 <ALLOWANCE-DOMESTIC> 620 625 543 578 <ALLOWANCE-FOREIGN> 0 0 0 0 <ALLOWANCE-UNALLOCATED> 0 257 177 219