<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 11,723 <INT-BEARING-DEPOSITS> 196,615 <FED-FUNDS-SOLD> 14,606 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,035 <INVESTMENTS-CARRYING> 13,625 <INVESTMENTS-MARKET> 13,635 <LOANS> 177,982 <ALLOWANCE> 1,999 <TOTAL-ASSETS> 270,237 <DEPOSITS> 237,529 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,667 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,338 <OTHER-SE> 22,693 <TOTAL-LIABILITIES-AND-EQUITY> 270,237 <INTEREST-LOAN> 17,168 <INTEREST-INVEST> 3,621 <INTEREST-OTHER> 479 <INTEREST-TOTAL> 21,268 <INTEREST-DEPOSIT> 8,645 <INTEREST-EXPENSE> 8,650 <INTEREST-INCOME-NET> 12,618 <LOAN-LOSSES> 52 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,992 <INCOME-PRETAX> 6,240 <INCOME-PRE-EXTRAORDINARY> 6,240 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,272 <EPS-PRIMARY> 1.54 <EPS-DILUTED> 1.48 <YIELD-ACTUAL> 8.98 <LOANS-NON> 737 <LOANS-PAST> 2,176 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,913 <ALLOWANCE-OPEN> 2,000 <CHARGE-OFFS> 294 <RECOVERIES> 233 <ALLOWANCE-CLOSE> 1,991 <ALLOWANCE-DOMESTIC> 1,991 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0