<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           6,301
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,079
<INVESTMENTS-CARRYING>                          23,398
<INVESTMENTS-MARKET>                            23,967
<LOANS>                                        121,671
<ALLOWANCE>                                      1,745
<TOTAL-ASSETS>                                 197,909
<DEPOSITS>                                     163,809
<SHORT-TERM>                                     3,210
<LIABILITIES-OTHER>                                487
<LONG-TERM>                                      8,245
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,700
<OTHER-SE>                                      19,458
<TOTAL-LIABILITIES-AND-EQUITY>                 197,909
<INTEREST-LOAN>                                 11,492
<INTEREST-INVEST>                                3,362
<INTEREST-OTHER>                                   372
<INTEREST-TOTAL>                                15,226
<INTEREST-DEPOSIT>                               6,851
<INTEREST-EXPENSE>                               7,344
<INTEREST-INCOME-NET>                            7,882
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,036
<INCOME-PRETAX>                                  4,114
<INCOME-PRE-EXTRAORDINARY>                       4,114
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,005
<EPS-PRIMARY>                                    22.59
<EPS-DILUTED>                                    22.59
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                        121
<LOANS-PAST>                                        75
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,653
<CHARGE-OFFS>                                      190
<RECOVERIES>                                       102
<ALLOWANCE-CLOSE>                                1,745
<ALLOWANCE-DOMESTIC>                               898
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            847