<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
YEAR-END 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          12,435
<INT-BEARING-DEPOSITS>                           9,728
<FED-FUNDS-SOLD>                                 4,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,582
<INVESTMENTS-CARRYING>                          84,392
<INVESTMENTS-MARKET>                            85,005
<LOANS>                                        216,990
<ALLOWANCE>                                      2,438
<TOTAL-ASSETS>                                 402,907
<DEPOSITS>                                     344,867
<SHORT-TERM>                                       485
<LIABILITIES-OTHER>                              3,526
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      44,547
<TOTAL-LIABILITIES-AND-EQUITY>                 402,907
<INTEREST-LOAN>                                 19,553
<INTEREST-INVEST>                                9,563
<INTEREST-OTHER>                                   681
<INTEREST-TOTAL>                                29,797
<INTEREST-DEPOSIT>                              13,089
<INTEREST-EXPENSE>                              13,106
<INTEREST-INCOME-NET>                           16,691
<LOAN-LOSSES>                                      435
<SECURITIES-GAINS>                                  37
<EXPENSE-OTHER>                                 10,031
<INCOME-PRETAX>                                  9,059
<INCOME-PRE-EXTRAORDINARY>                       9,059
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,560
<EPS-PRIMARY>                                     1.73
<EPS-DILUTED>                                     1.73
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                         87
<LOANS-PAST>                                       672
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    177
<ALLOWANCE-OPEN>                                 2,575
<CHARGE-OFFS>                                      679
<RECOVERIES>                                       107
<ALLOWANCE-CLOSE>                                2,438
<ALLOWANCE-DOMESTIC>                             2,438
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,742