<ARTICLE>                                            9
<MULTIPLIER>                                                 1,000
       
                                                           
<PERIOD-TYPE>                                                 YEAR
<FISCAL-YEAR-END>                                      DEC-31-1997
<PERIOD-END>                                           DEC-31-1997
<CASH>                                                      12,445
<INT-BEARING-DEPOSITS>                                         129
<FED-FUNDS-SOLD>                                             2,022
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 75,920
<INVESTMENTS-CARRYING>                                      40,400
<INVESTMENTS-MARKET>                                        40,713
<LOANS>                                                    167,720
<ALLOWANCE>                                                  2,670
<TOTAL-ASSETS>                                             305,772
<DEPOSITS>                                                 267,166
<SHORT-TERM>                                                10,342
<LIABILITIES-OTHER>                                          2,432
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     1,789
<OTHER-SE>                                                  24,043
<TOTAL-LIABILITIES-AND-EQUITY>                             305,772
<INTEREST-LOAN>                                             14,141
<INTEREST-INVEST>                                            6,761
<INTEREST-OTHER>                                               220
<INTEREST-TOTAL>                                            21,122
<INTEREST-DEPOSIT>                                           8,755
<INTEREST-EXPENSE>                                           9,066
<INTEREST-INCOME-NET>                                       12,056
<LOAN-LOSSES>                                                  400
<SECURITIES-GAINS>                                             134
<EXPENSE-OTHER>                                              9,267
<INCOME-PRETAX>                                              4,384
<INCOME-PRE-EXTRAORDINARY>                                   3,131
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 3,131
<EPS-PRIMARY>                                                 2.19
<EPS-DILUTED>                                                 2.18
<YIELD-ACTUAL>                                                4.60
<LOANS-NON>                                                  1,209
<LOANS-PAST>                                                   159
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                              2,022
<ALLOWANCE-OPEN>                                             2,585
<CHARGE-OFFS>                                                  344
<RECOVERIES>                                                    29
<ALLOWANCE-CLOSE>                                            2,670
<ALLOWANCE-DOMESTIC>                                         2,670
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                      1,843