<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S AUDITED FINANCIAL STATEMENTS AND DISCLOSURES FOR THE PERIOD ENDED
DECEMBER 31, 1997 AS PRESENTED IN ITS ANNUAL 1997 FORM 10-K AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND DISCLOSURES
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          32,997
<INT-BEARING-DEPOSITS>                           1,421
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    185,303
<INVESTMENTS-CARRYING>                           9,224
<INVESTMENTS-MARKET>                             9,224
<LOANS>                                        296,977
<ALLOWANCE>                                      4,145
<TOTAL-ASSETS>                                 548,934
<DEPOSITS>                                     451,044
<SHORT-TERM>                                    15,747
<LIABILITIES-OTHER>                             10,504
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      50,887
<TOTAL-LIABILITIES-AND-EQUITY>                 548,934
<INTEREST-LOAN>                                 26,679
<INTEREST-INVEST>                               12,071
<INTEREST-OTHER>                                   622
<INTEREST-TOTAL>                                39,372
<INTEREST-DEPOSIT>                              14,756
<INTEREST-EXPENSE>                              16,098
<INTEREST-INCOME-NET>                           23,274
<LOAN-LOSSES>                                      850
<SECURITIES-GAINS>                                 324
<EXPENSE-OTHER>                                 19,368
<INCOME-PRETAX>                                 10,524
<INCOME-PRE-EXTRAORDINARY>                       6,857
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,857
<EPS-PRIMARY>                                     3.31
<EPS-DILUTED>                                     3.31
<YIELD-ACTUAL>                                    4.74
<LOANS-NON>                                        930
<LOANS-PAST>                                       688
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,975
<CHARGE-OFFS>                                      770
<RECOVERIES>                                        90
<ALLOWANCE-CLOSE>                                4,145
<ALLOWANCE-DOMESTIC>                             2,588
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,557