<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 4,568 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,042 <INVESTMENTS-CARRYING> 38,042 <INVESTMENTS-MARKET> 38,042 <LOANS> 140,604 <ALLOWANCE> 1,402 <TOTAL-ASSETS> 190,404 <DEPOSITS> 165,871 <SHORT-TERM> 4,000 <LIABILITIES-OTHER> 1,818 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 18,515 <TOTAL-LIABILITIES-AND-EQUITY> 190,404 <INTEREST-LOAN> 11,599 <INTEREST-INVEST> 2,929 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,528 <INTEREST-DEPOSIT> 7,475 <INTEREST-EXPENSE> 7,632 <INTEREST-INCOME-NET> 6,896 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 5,638 <INCOME-PRETAX> 2,617 <INCOME-PRE-EXTRAORDINARY> 2,617 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,696 <EPS-PRIMARY> 2.27 <EPS-DILUTED> 2.27 <YIELD-ACTUAL> 8.94 <LOANS-NON> 1,859 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,925 <ALLOWANCE-OPEN> 1,329 <CHARGE-OFFS> 433 <RECOVERIES> 106 <ALLOWANCE-CLOSE> 1,402 <ALLOWANCE-DOMESTIC> 1,402 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0