<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 19,058 <INT-BEARING-DEPOSITS> 9,656 <FED-FUNDS-SOLD> 5,210 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,458 <INVESTMENTS-CARRYING> 1,312 <INVESTMENTS-MARKET> 1,332 <LOANS> 229,348 <ALLOWANCE> 2,613 <TOTAL-ASSETS> 350,479 <DEPOSITS> 307,586 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,815 <LONG-TERM> 6,989 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28,383 <OTHER-SE> 4,706 <TOTAL-LIABILITIES-AND-EQUITY> 350,479 <INTEREST-LOAN> 21,501 <INTEREST-INVEST> 2,065 <INTEREST-OTHER> 1,109 <INTEREST-TOTAL> 24,675 <INTEREST-DEPOSIT> 9,463 <INTEREST-EXPENSE> 9,895 <INTEREST-INCOME-NET> 14,780 <LOAN-LOSSES> 752 <SECURITIES-GAINS> (21) <EXPENSE-OTHER> 10,628 <INCOME-PRETAX> 7,117 <INCOME-PRE-EXTRAORDINARY> 7,117 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,864 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.19 <YIELD-ACTUAL> 6.06 <LOANS-NON> 2,181 <LOANS-PAST> 764 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,034 <CHARGE-OFFS> 990 <RECOVERIES> 117 <ALLOWANCE-CLOSE> 2,613 <ALLOWANCE-DOMESTIC> 2,613 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0