<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's December 31, 1997 audited balance sheet, income statement and cash
flow statement, and notes thereto, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                      11,486,000
<INT-BEARING-DEPOSITS>                       5,555,000
<FED-FUNDS-SOLD>                             5,000,000
<TRADING-ASSETS>                             1,830,000
<INVESTMENTS-HELD-FOR-SALE>                178,667,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    431,644,000
<ALLOWANCE>                                  5,832,000
<TOTAL-ASSETS>                             654,222,000
<DEPOSITS>                                 444,211,000
<SHORT-TERM>                                47,271,000
<LIABILITIES-OTHER>                          2,202,000
<LONG-TERM>                                104,400,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,000
<OTHER-SE>                                  56,113,000
<TOTAL-LIABILITIES-AND-EQUITY>             654,222,000
<INTEREST-LOAN>                             33,369,000
<INTEREST-INVEST>                           11,986,000
<INTEREST-OTHER>                               514,000
<INTEREST-TOTAL>                            45,869,000
<INTEREST-DEPOSIT>                          17,140,000
<INTEREST-EXPENSE>                          26,496,000
<INTEREST-INCOME-NET>                       19,373,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                           1,115,000
<EXPENSE-OTHER>                             15,724,000
<INCOME-PRETAX>                              8,895,000
<INCOME-PRE-EXTRAORDINARY>                   8,895,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,565,000
<EPS-PRIMARY>                                     2.31
<EPS-DILUTED>                                     2.20
<YIELD-ACTUAL>                                    3.11
<LOANS-NON>                                  4,847,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             11,700,000
<ALLOWANCE-OPEN>                             7,334,000
<CHARGE-OFFS>                                2,155,000
<RECOVERIES>                                   653,000
<ALLOWANCE-CLOSE>                            5,832,000
<ALLOWANCE-DOMESTIC>                         5,832,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0