<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF CHOICEONE FINANCIAL SERVICES, INC., INCLUDED IN THE DECEMBER 31, 1997, FORM 10-KSB FILING AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 3,769 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,942 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 127,776 <ALLOWANCE> 1,567 <TOTAL-ASSETS> 156,329 <DEPOSITS> 107,492 <SHORT-TERM> 2,060 <LIABILITIES-OTHER> 4,248 <LONG-TERM> 26,992 <COMMON> 5,370 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,167 <TOTAL-LIABILITIES-AND-EQUITY> 156,329 <INTEREST-LOAN> 11,230 <INTEREST-INVEST> 1,329 <INTEREST-OTHER> 8 <INTEREST-TOTAL> 12,567 <INTEREST-DEPOSIT> 4,279 <INTEREST-EXPENSE> 6,252 <INTEREST-INCOME-NET> 6,315 <LOAN-LOSSES> 539 <SECURITIES-GAINS> 28 <EXPENSE-OTHER> 5,176 <INCOME-PRETAX> 2,369 <INCOME-PRE-EXTRAORDINARY> 2,369 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,737 <EPS-PRIMARY> 3.23 <EPS-DILUTED> 3.23 <YIELD-ACTUAL> 4.71 <LOANS-NON> 753 <LOANS-PAST> 195 <LOANS-TROUBLED> 27 <LOANS-PROBLEM> 1,915 <ALLOWANCE-OPEN> 1,487 <CHARGE-OFFS> 527 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 1,567 <ALLOWANCE-DOMESTIC> 1,312 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 255