<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE 12/31/97 FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 45,317 <INT-BEARING-DEPOSITS> 261 <FED-FUNDS-SOLD> 4,184 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 84,599 <INVESTMENTS-CARRYING> 163,559 <INVESTMENTS-MARKET> 166,079 <LOANS> 460,150 <ALLOWANCE> 5,308 <TOTAL-ASSETS> 796,478 <DEPOSITS> 612,992 <SHORT-TERM> 84,117 <LIABILITIES-OTHER> 6,535 <LONG-TERM> 44,578 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,453 <OTHER-SE> 46,803 <TOTAL-LIABILITIES-AND-EQUITY> 796,478 <INTEREST-LOAN> 38,493 <INTEREST-INVEST> 13,903 <INTEREST-OTHER> 303 <INTEREST-TOTAL> 52,699 <INTEREST-DEPOSIT> 21,183 <INTEREST-EXPENSE> 28,060 <INTEREST-INCOME-NET> 24,639 <LOAN-LOSSES> 269 <SECURITIES-GAINS> (19) <EXPENSE-OTHER> 20,414 <INCOME-PRETAX> 11,460 <INCOME-PRE-EXTRAORDINARY> 7,540 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,540 <EPS-PRIMARY> 2.60 <EPS-DILUTED> 2.60 <YIELD-ACTUAL> 3.87 <LOANS-NON> 1,058 <LOANS-PAST> 305 <LOANS-TROUBLED> 1,377 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,306 <CHARGE-OFFS> 359 <RECOVERIES> 92 <ALLOWANCE-CLOSE> 5,308 <ALLOWANCE-DOMESTIC> 2,248 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,060