<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 16,213 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 6,485 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 92,050 <INVESTMENTS-CARRYING> 92,050 <INVESTMENTS-MARKET> 92,050 <LOANS> 404,001 <ALLOWANCE> 5,850 <TOTAL-ASSETS> 528,273 <DEPOSITS> 461,298 <SHORT-TERM> 2,598 <LIABILITIES-OTHER> 4,241 <LONG-TERM> 11,292 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,677 <OTHER-SE> 36,167 <TOTAL-LIABILITIES-AND-EQUITY> 528,273 <INTEREST-LOAN> 34,271 <INTEREST-INVEST> 5,505 <INTEREST-OTHER> 382 <INTEREST-TOTAL> 40,158 <INTEREST-DEPOSIT> 20,276 <INTEREST-EXPENSE> 863 <INTEREST-INCOME-NET> 19,019 <LOAN-LOSSES> 1,111 <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 11,031 <INCOME-PRETAX> 9,812 <INCOME-PRE-EXTRAORDINARY> 9,812 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,777 <EPS-PRIMARY> 5.22 <EPS-DILUTED> 5.22 <YIELD-ACTUAL> 9.23 <LOANS-NON> 2,890 <LOANS-PAST> 9,532 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 12,422 <ALLOWANCE-OPEN> 5,500 <CHARGE-OFFS> 1,531 <RECOVERIES> 770 <ALLOWANCE-CLOSE> 5,850 <ALLOWANCE-DOMESTIC> 5,850 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0