<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