<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