<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