<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           7,122
<INT-BEARING-DEPOSITS>                           8,562
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,581
<INVESTMENTS-CARRYING>                          32,017
<INVESTMENTS-MARKET>                            32,520
<LOANS>                                        315,353
<ALLOWANCE>                                      1,684
<TOTAL-ASSETS>                                 400,237
<DEPOSITS>                                     315,390
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,418
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      51,386
<TOTAL-LIABILITIES-AND-EQUITY>                 315,353
<INTEREST-LOAN>                                 22,318
<INTEREST-INVEST>                                5,838
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                28,156
<INTEREST-DEPOSIT>                              14,279
<INTEREST-EXPENSE>                              15,416
<INTEREST-INCOME-NET>                           12,740
<LOAN-LOSSES>                                      649
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                  7,473
<INCOME-PRETAX>                                  5,387
<INCOME-PRE-EXTRAORDINARY>                       3,754
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,754
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                      .96
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                        242
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,063
<CHARGE-OFFS>                                     (28)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,684
<ALLOWANCE-DOMESTIC>                             1,684
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0