<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS 12-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 DEC-31-1997 DEC-31-1997 DEC-31-1997
<PERIOD-START> JAN-01-1997 APR-01-1997 JUL-01-1997 OCT-01-1997 JAN-01-1997
<PERIOD-END> MAR-31-1997 JUN-30-1997 SEP-01-1997 DEC-31-1997 DEC-31-1997
<CASH> $10,471 $13,816 $16,022 $13,386 $13,386
<INT-BEARING-DEPOSITS> 105 145 699 366 366
<FED-FUNDS-SOLD> 5,350 0 5,800 0 0
<TRADING-ASSETS> 0 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 74,139 64,491 67,890 82,466 82,466
<INVESTMENTS-CARRYING> 81,056 74,976 69,394 60,611 60,611
<INVESTMENTS-MARKET> 80,686 75,114 70,029 61,367 61,367
<LOANS> 247,368 253,707 254,049 254,793 254,793
<ALLOWANCE> 3,206 3,416 3,558 3,277 3,277
<TOTAL-ASSETS> 430,900 419,258 425,681 423,640 423,640
<DEPOSITS> 359,266 350,962 356,373 351,603 351,603
<SHORT-TERM> 0 2,975 0 1,500 1,500
<LIABILITIES-OTHER> 18,930 17,608 20,269 20,534 20,534
<LONG-TERM> 0 0 0 0 0
<PREFERRED-MANDATORY> 0 0 0 0 0
<PREFERRED> 0 0 0 0 0
<COMMON> 3,280 3,052 3,052 3,052 3,052
<OTHER-SE> 49,424 44,661 45,987 46,951 46,951
<TOTAL-LIABILITIES-AND-EQUITY> 430,900 419,258 425,681 50,003 50,003
<INTEREST-LOAN> 5,352 5,609 5,755 5,725 22,441
<INTEREST-INVEST> 2,500 2,237 2,108 2,205 9,050
<INTEREST-OTHER> 24 37 53 123 237
<INTEREST-TOTAL> 7,876 7,883 7,916 8,053 31,728
<INTEREST-DEPOSIT> 3,475 3,417 3,415 3,403 13,710
<INTEREST-EXPENSE> 3,677 3,619 3,629 3,665 14,590
<INTEREST-INCOME-NET> 4,199 4,264 4,287 4,388 17,138
<LOAN-LOSSES> 243 257 262 338 1,100
<SECURITIES-GAINS> 23 8 0 0 31
<EXPENSE-OTHER> 2,515 2,542 2,466 2,722 10,245
<INCOME-PRETAX> 2,179 2,248 2,394 2,173 8,994
<INCOME-PRE-EXTRAORDINARY> 2,179 2,248 2,394 2,173 8,994
<EXTRAORDINARY> 0 0 0 0 0
<CHANGES> 0 0 0 0 0
<NET-INCOME> 1,537 1,544 1,645 1,543 6,269
<EPS-PRIMARY> .47 .48 .54 .50 1.99
<EPS-DILUTED> .47 .48 .54 .50 1.99
<YIELD-ACTUAL> 4.21 4.36 4.40 4.43 4.39
<LOANS-NON> 278 1,029 1,160 393 393
<LOANS-PAST> 257 566 381 181 181
<LOANS-TROUBLED> 0 0 0 0 0
<LOANS-PROBLEM> 0 0 0 0 0
<ALLOWANCE-OPEN> 3,070 3,206 3,416 3,558 3,558
<CHARGE-OFFS> 122 73 148 649 992
<RECOVERIES> 15 27 28 29 99
<ALLOWANCE-CLOSE> 3,206 3,416 3,558 3,277 3,277
<ALLOWANCE-DOMESTIC> 2,091 2,022 2,187 2,175 2,175
<ALLOWANCE-FOREIGN> 0 0 0 0 0
<ALLOWANCE-UNALLOCATED> 1,115 1,394 1,371 1,102 1,102