<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 10,623 <INT-BEARING-DEPOSITS> 153 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,579 <INVESTMENTS-CARRYING> 12,549 <INVESTMENTS-MARKET> 12,704 <LOANS> 149,317 <ALLOWANCE> 1,845 <TOTAL-ASSETS> 215,019 <DEPOSITS> 186,603 <SHORT-TERM> 3,960 <LIABILITIES-OTHER> 2,239 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 8 <COMMON> 1,805 <OTHER-SE> 17,413 <TOTAL-LIABILITIES-AND-EQUITY> 215,019 <INTEREST-LOAN> 12,688 <INTEREST-INVEST> 2,951 <INTEREST-OTHER> 105 <INTEREST-TOTAL> 15,744 <INTEREST-DEPOSIT> 7,872 <INTEREST-EXPENSE> 8,253 <INTEREST-INCOME-NET> 7,491 <LOAN-LOSSES> 230 <SECURITIES-GAINS> 3 <EXPENSE-OTHER> 4,932 <INCOME-PRETAX> 3,074 <INCOME-PRE-EXTRAORDINARY> 3,074 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,103 <EPS-PRIMARY> 2.37 <EPS-DILUTED> 2.37 <YIELD-ACTUAL> 4.07 <LOANS-NON> 835 <LOANS-PAST> 7 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 372 <ALLOWANCE-OPEN> 1,925 <CHARGE-OFFS> 350 <RECOVERIES> 41 <ALLOWANCE-CLOSE> 1,845 <ALLOWANCE-DOMESTIC> 1,845 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0