<ARTICLE>                                            9
<LEGEND>
This Schedule contains summary financial information extracted from the Balance
Sheet and Statement of Income 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>                                         11,464
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                7,500
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                     1,106
<INVESTMENTS-CARRYING>                         14,482
<INVESTMENTS-MARKET>                           14,683
<LOANS>                                        86,012
<ALLOWANCE>                                     1,638
<TOTAL-ASSETS>                                122,085
<DEPOSITS>                                    107,426
<SHORT-TERM>                                      500
<LIABILITIES-OTHER>                               500
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       4,736
<OTHER-SE>                                     7,252
<TOTAL-LIABILITIES-AND-EQUITY>               122,085
<INTEREST-LOAN>                                8,243
<INTEREST-INVEST>                              1,029
<INTEREST-OTHER>                                 462
<INTEREST-TOTAL>                               9,734
<INTEREST-DEPOSIT>                             2,925
<INTEREST-EXPENSE>                             2,953
<INTEREST-INCOME-NET>                          6,781
<LOAN-LOSSES>                                    240
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                                5,995
<INCOME-PRETAX>                                3,063
<INCOME-PRE-EXTRAORDINARY>                     3,063
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,805
<EPS-PRIMARY>                                   2.04
<EPS-DILUTED>                                   1.84
<YIELD-ACTUAL>                                  9.9
<LOANS-NON>                                      373
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,638
<CHARGE-OFFS>                                    135
<RECOVERIES>                                      40
<ALLOWANCE-CLOSE>                              1,638
<ALLOWANCE-DOMESTIC>                           1,638
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0