<ARTICLE> 9 <PERIOD-TYPE> Year <FISCAL-YEAR-END> Dec-31-1997 <PERIOD-END> Dec-31-1997 <CASH> 22,825 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,305 <INVESTMENTS-CARRYING> 13,737 <INVESTMENTS-MARKET> 13,843 <LOANS> 228,972 <ALLOWANCE> (4,493) <TOTAL-ASSETS> 324,919 <DEPOSITS> 270,345 <SHORT-TERM> 16,000 <LIABILITIES-OTHER> 5,415 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,800 <OTHER-SE> 14,359 <TOTAL-LIABILITIES-AND-EQUITY> 324,919 <INTEREST-LOAN> 22,732 <INTEREST-INVEST> 4,515 <INTEREST-OTHER> (9) <INTEREST-TOTAL> 27,238 <INTEREST-DEPOSIT> 7,995 <INTEREST-EXPENSE> 8,749 <INTEREST-INCOME-NET> 18,489 <LOAN-LOSSES> 705 <SECURITIES-GAINS> (47) <EXPENSE-OTHER> 9,910 <INCOME-PRETAX> 8,887 <INCOME-PRE-EXTRAORDINARY> 8,887 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,114 <EPS-PRIMARY> 1.94 <EPS-DILUTED> 1.94 <YIELD-ACTUAL> .065 <LOANS-NON> 360 <LOANS-PAST> 1 <LOANS-TROUBLED> 63 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,005 <CHARGE-OFFS> 288 <RECOVERIES> 71 <ALLOWANCE-CLOSE> 4,493 <ALLOWANCE-DOMESTIC> 3,732 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 761