<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL
STATEMENTS INCLUDED IN THIS FORM 10-K 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-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           7,399
<INT-BEARING-DEPOSITS>                           6,491
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,660
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        271,367
<ALLOWANCE>                                        775
<TOTAL-ASSETS>                                 368,283
<DEPOSITS>                                     283,053
<SHORT-TERM>                                    33,850
<LIABILITIES-OTHER>                              7,350
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            45
<OTHER-SE>                                      43,985
<TOTAL-LIABILITIES-AND-EQUITY>                 368,283
<INTEREST-LOAN>                                 22,885
<INTEREST-INVEST>                                5,118
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                28,003
<INTEREST-DEPOSIT>                              13,018
<INTEREST-EXPENSE>                              16,050
<INTEREST-INCOME-NET>                           11,953
<LOAN-LOSSES>                                       24
<SECURITIES-GAINS>                                 176
<EXPENSE-OTHER>                                  7,291
<INCOME-PRETAX>                                  6,106
<INCOME-PRE-EXTRAORDINARY>                       4,111
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,111
<EPS-PRIMARY>                                     1.55
<EPS-DILUTED>                                     1.49
<YIELD-ACTUAL>                                    7.94
<LOANS-NON>                                        671
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   751
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  775
<ALLOWANCE-DOMESTIC>                               775
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0