<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          10,783
<INT-BEARING-DEPOSITS>                           2,065
<FED-FUNDS-SOLD>                                 3,678
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     20,170
<INVESTMENTS-CARRYING>                          39,602
<INVESTMENTS-MARKET>                            39,771
<LOANS>                                        268,254
<ALLOWANCE>                                      3,057
<TOTAL-ASSETS>                                 355,567
<DEPOSITS>                                     314,679
<SHORT-TERM>                                    11,884
<LIABILITIES-OTHER>                              2,086
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        26,918
<OTHER-SE>                                           0
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<INTEREST-LOAN>                                 22,893
<INTEREST-INVEST>                                3,569
<INTEREST-OTHER>                                   262
<INTEREST-TOTAL>                                26,724
<INTEREST-DEPOSIT>                              11,800
<INTEREST-EXPENSE>                                 291
<INTEREST-INCOME-NET>                           14,633
<LOAN-LOSSES>                                      306
<SECURITIES-GAINS>                                 259
<EXPENSE-OTHER>                                 11,066
<INCOME-PRETAX>                                  5,790
<INCOME-PRE-EXTRAORDINARY>                       5,790
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,384
<EPS-BASIC>                                        .88
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                      1,648
<LOANS-PAST>                                       184
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,832
<ALLOWANCE-OPEN>                                 3,005
<CHARGE-OFFS>                                      760
<RECOVERIES>                                       812
<ALLOWANCE-CLOSE>                                3,057
<ALLOWANCE-DOMESTIC>                             3,057
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0