<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from (a) Item 7 - "Financial Statements and Supplementary Data" and is qualified in its entirety by reference to such (b) financial statements included in this report and incorporated herein by reference. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <EXCHANGE-RATE> 1 <CASH> 39,891 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 64,706 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 91,481 <INVESTMENTS-CARRYING> 39,048 <INVESTMENTS-MARKET> 39,105 <LOANS> 257,393 <ALLOWANCE> 4,223 <TOTAL-ASSETS> 497,674 <DEPOSITS> 450,301 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,649 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,644 <OTHER-SE> 11,979 <TOTAL-LIABILITIES-AND-EQUITY> 497,674 <INTEREST-LOAN> 24,828 <INTEREST-INVEST> 5,823 <INTEREST-OTHER> 3,265 <INTEREST-TOTAL> 33,916 <INTEREST-DEPOSIT> 11,943 <INTEREST-EXPENSE> 12,041 <INTEREST-INCOME-NET> 21,875 <LOAN-LOSSES> 64 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,573 <INCOME-PRETAX> 11,003 <INCOME-PRE-EXTRAORDINARY> 11,003 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,503 <EPS-PRIMARY> 1.36 <EPS-DILUTED> 1.26 <YIELD-ACTUAL> 6 <LOANS-NON> 816 <LOANS-PAST> 79 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,372 <CHARGE-OFFS> 440 <RECOVERIES> 227 <ALLOWANCE-CLOSE> 4,223 <ALLOWANCE-DOMESTIC> 4,223 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0