<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           7,721
<INT-BEARING-DEPOSITS>                             123
<FED-FUNDS-SOLD>                                 5,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,303
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        191,342
<ALLOWANCE>                                      2,098
<TOTAL-ASSETS>                                 255,058
<DEPOSITS>                                     226,263
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,568
<LONG-TERM>                                      2,802
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,486
<OTHER-SE>                                      18,939
<TOTAL-LIABILITIES-AND-EQUITY>                 255,058
<INTEREST-LOAN>                                 16,356
<INTEREST-INVEST>                                2,980
<INTEREST-OTHER>                                   177
<INTEREST-TOTAL>                                19,513
<INTEREST-DEPOSIT>                               8,835
<INTEREST-EXPENSE>                                 261
<INTEREST-INCOME-NET>                           10,417
<LOAN-LOSSES>                                      275
<SECURITIES-GAINS>                                (17)
<EXPENSE-OTHER>                                  7,729
<INCOME-PRETAX>                                  3,640
<INCOME-PRE-EXTRAORDINARY>                       3,640
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,479
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.13
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                      2,842
<LOANS-PAST>                                       107
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,110
<CHARGE-OFFS>                                      406
<RECOVERIES>                                       119
<ALLOWANCE-CLOSE>                                2,098
<ALLOWANCE-DOMESTIC>                             2,098
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0