<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance
Sheets at December 31, 1997 and the Consolidated Statements of Income for
the year ended December 31, 1997 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                            5737
<INT-BEARING-DEPOSITS>                             704
<FED-FUNDS-SOLD>                                  2920
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      28213
<INVESTMENTS-CARRYING>                             708
<INVESTMENTS-MARKET>                               708
<LOANS>                                         118755
<ALLOWANCE>                                       1728
<TOTAL-ASSETS>                                  160279
<DEPOSITS>                                      140928
<SHORT-TERM>                                      3803
<LIABILITIES-OTHER>                               2179
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1438
<OTHER-SE>                                       11931
<TOTAL-LIABILITIES-AND-EQUITY>                  160279
<INTEREST-LOAN>                                  11491
<INTEREST-INVEST>                                 1308
<INTEREST-OTHER>                                   582
<INTEREST-TOTAL>                                 13381
<INTEREST-DEPOSIT>                                6140
<INTEREST-EXPENSE>                                6404
<INTEREST-INCOME-NET>                             6977
<LOAN-LOSSES>                                      392
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                   5150
<INCOME-PRETAX>                                   2470
<INCOME-PRE-EXTRAORDINARY>                        2470
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1575
<EPS-PRIMARY>                                     1.11
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    4.94
<LOANS-NON>                                          0
<LOANS-PAST>                                        82
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1487
<CHARGE-OFFS>                                      428
<RECOVERIES>                                       251
<ALLOWANCE-CLOSE>                                 1728
<ALLOWANCE-DOMESTIC>                              1728
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0