<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 39,607 <INT-BEARING-DEPOSITS> 1,413 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 161,228 <INVESTMENTS-CARRYING> 16,142 <INVESTMENTS-MARKET> 0 <LOANS> 479,822 <ALLOWANCE> 6,407 <TOTAL-ASSETS> 733,947 <DEPOSITS> 607,629 <SHORT-TERM> 19,476 <LIABILITIES-OTHER> 5,158 <LONG-TERM> 28,325 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,015 <OTHER-SE> 311 <TOTAL-LIABILITIES-AND-EQUITY> 733,947 <INTEREST-LOAN> 40,395 <INTEREST-INVEST> 10,015 <INTEREST-OTHER> 652 <INTEREST-TOTAL> 51,062 <INTEREST-DEPOSIT> 21,907 <INTEREST-EXPENSE> 2,556 <INTEREST-INCOME-NET> 26,599 <LOAN-LOSSES> 3,044 <SECURITIES-GAINS> 71 <EXPENSE-OTHER> 20,622 <INCOME-PRETAX> 8,500 <INCOME-PRE-EXTRAORDINARY> 1,678 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,822 <EPS-PRIMARY> 0.91 <EPS-DILUTED> 0.91 <YIELD-ACTUAL> 8.45 <LOANS-NON> 2,813 <LOANS-PAST> 2,979 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,813 <ALLOWANCE-OPEN> 4,798 <CHARGE-OFFS> 1,709 <RECOVERIES> 274 <ALLOWANCE-CLOSE> 6,407 <ALLOWANCE-DOMESTIC> 6,407 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 6,407