<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