[ARTICLE] 9

                             
[PERIOD-TYPE]                   YEAR
[FISCAL-YEAR-END]                          DEC-31-1997
[PERIOD-END]                               DEC-31-1997
[CASH]                                          13,451
[INT-BEARING-DEPOSITS]                         321,987
[FED-FUNDS-SOLD]                                 1,100
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                      4,312
[INVESTMENTS-CARRYING]                         160,849
[INVESTMENTS-MARKET]                           164,286
[LOANS]                                        363,149
[ALLOWANCE]                                      5,640
[TOTAL-ASSETS]                                 573,892
[DEPOSITS]                                     373,409
[SHORT-TERM]                                   132,478
[LIABILITIES-OTHER]                              5,449
[LONG-TERM]                                          0
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         2,436
[OTHER-SE]                                      60,120
[TOTAL-LIABILITIES-AND-EQUITY]                 573,892
[INTEREST-LOAN]                                 32,845
[INTEREST-INVEST]                               12,796
[INTEREST-OTHER]                                   410
[INTEREST-TOTAL]                                46,051
[INTEREST-DEPOSIT]                              13,484
[INTEREST-EXPENSE]                              21,229
[INTEREST-INCOME-NET]                           24,822
[LOAN-LOSSES]                                    1,677
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                 13,294
[INCOME-PRETAX]                                 13,601
[INCOME-PRE-EXTRAORDINARY]                      13,601
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                     9,148
[EPS-PRIMARY]                                     4.02
[EPS-DILUTED]                                     3.93
[YIELD-ACTUAL]                                    8.72
[LOANS-NON]                                      1,215
[LOANS-PAST]                                     1,004
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                  2,219
[ALLOWANCE-OPEN]                                 4,472
[CHARGE-OFFS]                                    1,092
[RECOVERIES]                                       583
[ALLOWANCE-CLOSE]                                5,640
[ALLOWANCE-DOMESTIC]                             5,640
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                            412