<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED DECEMBER 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          11,231
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,771
<INVESTMENTS-CARRYING>                           1,709
<INVESTMENTS-MARKET>                             1,734
<LOANS>                                         80,001
<ALLOWANCE>                                        848
<TOTAL-ASSETS>                                  98,740
<DEPOSITS>                                      87,695
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                565
<LONG-TERM>                                      2,930
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,722
<OTHER-SE>                                         828
<TOTAL-LIABILITIES-AND-EQUITY>                  98,740
<INTEREST-LOAN>                                  6,779
<INTEREST-INVEST>                                  290
<INTEREST-OTHER>                                   292
<INTEREST-TOTAL>                                 7,361
<INTEREST-DEPOSIT>                               3,695
<INTEREST-EXPENSE>                               3,807
<INTEREST-INCOME-NET>                            3,554
<LOAN-LOSSES>                                      255
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,490
<INCOME-PRETAX>                                  1,114
<INCOME-PRE-EXTRAORDINARY>                       1,114
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       738
<EPS-PRIMARY>                                      .75
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                     4.3
<LOANS-NON>                                        204
<LOANS-PAST>                                       120
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   644
<CHARGE-OFFS>                                       80
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                  848
<ALLOWANCE-DOMESTIC>                               848
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0