<ARTICLE>                                            9
<MULTIPLIER>                                     1,000   
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>               DEC-31-1997
<PERIOD-END>                    DEC-31-1997
<CASH>                                7,712
<INT-BEARING-DEPOSITS>                  103
<FED-FUNDS-SOLD>                         94
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          32,659
<INVESTMENTS-CARRYING>               39,419
<INVESTMENTS-MARKET>                 39,935
<LOANS>                             269,779
<ALLOWANCE>                           3,290
<TOTAL-ASSETS>                      364,095
<DEPOSITS>                          293,712
<SHORT-TERM>                         28,853
<LIABILITIES-OTHER>                   3,907
<LONG-TERM>                           3,457
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                              1,802         
<OTHER-SE>                           32,364
<TOTAL-LIABILITIES-AND-EQUITY>      364,095
<INTEREST-LOAN>                      25,949
<INTEREST-INVEST>                     4,154
<INTEREST-OTHER>                        207
<INTEREST-TOTAL>                     30,310
<INTEREST-DEPOSIT>                   12,548
<INTEREST-EXPENSE>                   13,902
<INTEREST-INCOME-NET>                16,408
<LOAN-LOSSES>                         1,245
<SECURITIES-GAINS>                        0
<EXPENSE-OTHER>                      11,920
<INCOME-PRETAX>                       5,103
<INCOME-PRE-EXTRAORDINARY>            5,103
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          3,680<F1>
<EPS-PRIMARY>                          2.07<F1>
<EPS-DILUTED>                          2.07
<YIELD-ACTUAL>                         5.02
<LOANS-NON>                           1,019
<LOANS-PAST>                          3,177
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                         200
<ALLOWANCE-OPEN>                      3,080
<CHARGE-OFFS>                         1,215
<RECOVERIES>                            180 
<ALLOWANCE-CLOSE>                     3,290
<ALLOWANCE-DOMESTIC>                  1,946
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>               1,344
<FN>
<F1> 
In April 1997, the Board of Directors declared a 33-1/3% stock
split effective April 21, 1997, and prior Financial Data Schedules
have not been restated for the recapitalization.
</FN>