<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR YEAR <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996 <PERIOD-START> JAN-01-1997 JAN-01-1996 <PERIOD-END> DEC-31-1997 DEC-31-1996 <CASH> 16,503 16,929 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 13,230 29,300 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 31,097 26,871 <INVESTMENTS-CARRYING> 27,280 41,311 <INVESTMENTS-MARKET> 27,727 41,667 <LOANS> 232,977 183,393 <ALLOWANCE> 4,351 4,969 <TOTAL-ASSETS> 325,420 302,178 <DEPOSITS> 283,150 266,447 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 3,583 1,584 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 35,149 31,739 <OTHER-SE> 3,538 2,408 <TOTAL-LIABILITIES-AND-EQUITY> 325,420 302,178 <INTEREST-LOAN> 21,390 16,862 <INTEREST-INVEST> 4,208 4,077 <INTEREST-OTHER> 434 596 <INTEREST-TOTAL> 26,032 21,535 <INTEREST-DEPOSIT> 7,307 5,367 <INTEREST-EXPENSE> 7,346 5,398 <INTEREST-INCOME-NET> 18,686 16,137 <LOAN-LOSSES> 100 600 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 11,920 10,905 <INCOME-PRETAX> 7,660 5,410 <INCOME-PRE-EXTRAORDINARY> 7,660 5,410 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 4,725 4,150 <EPS-PRIMARY> 1.02 0.88 <EPS-DILUTED> 0.98 0.86 <YIELD-ACTUAL> .067 .068 <LOANS-NON> 3,465 2,811 <LOANS-PAST> 496 322 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 4,969 4,960 <CHARGE-OFFS> 1,246 1,068 <RECOVERIES> 528 477 <ALLOWANCE-CLOSE> 4,351 4,969 <ALLOWANCE-DOMESTIC> 4,351 4,969 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,492 1,809