<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 5,963 <INT-BEARING-DEPOSITS> 16 <FED-FUNDS-SOLD> 2,858 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,740 <INVESTMENTS-CARRYING> 44,740 <INVESTMENTS-MARKET> 46,208 <LOANS> 128,331 <ALLOWANCE> 1,767 <TOTAL-ASSETS> 190,242 <DEPOSITS> 160,580 <SHORT-TERM> 235 <LIABILITIES-OTHER> 2,828 <LONG-TERM> 8,334 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 214 <OTHER-SE> 17,082 <TOTAL-LIABILITIES-AND-EQUITY> 190,242 <INTEREST-LOAN> 10,702 <INTEREST-INVEST> 2,483 <INTEREST-OTHER> 265 <INTEREST-TOTAL> 13,450 <INTEREST-DEPOSIT> 5,495 <INTEREST-EXPENSE> 5,822 <INTEREST-INCOME-NET> 7,628 <LOAN-LOSSES> 215 <SECURITIES-GAINS> 3 <EXPENSE-OTHER> 5,384 <INCOME-PRETAX> 3,580 <INCOME-PRE-EXTRAORDINARY> 2,606 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,606 <EPS-PRIMARY> 2.54 <EPS-DILUTED> 2.54 <YIELD-ACTUAL> 5.01 <LOANS-NON> 473 <LOANS-PAST> 657 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 405 <ALLOWANCE-OPEN> 1,620 <CHARGE-OFFS> 83 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,767 <ALLOWANCE-DOMESTIC> 1,767 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0