<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM DECEMBER 31,
1997 10-K REPORT 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-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           12778
<INT-BEARING-DEPOSITS>                             705
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      51944
<INVESTMENTS-CARRYING>                           51676
<INVESTMENTS-MARKET>                             52182
<LOANS>                                         373269
<ALLOWANCE>                                       3285
<TOTAL-ASSETS>                                  509778
<DEPOSITS>                                      417011
<SHORT-TERM>                                     50164
<LIABILITIES-OTHER>                               3574
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         49
<COMMON>                                          2389
<OTHER-SE>                                       36591
<TOTAL-LIABILITIES-AND-EQUITY>                  509778
<INTEREST-LOAN>                                  30579
<INTEREST-INVEST>                                 6606
<INTEREST-OTHER>                                   337
<INTEREST-TOTAL>                                 37522
<INTEREST-DEPOSIT>                               15457
<INTEREST-EXPENSE>                               17217
<INTEREST-INCOME-NET>                            20305
<LOAN-LOSSES>                                     1520
<SECURITIES-GAINS>                                  99
<EXPENSE-OTHER>                                  14121
<INCOME-PRETAX>                                   7891
<INCOME-PRE-EXTRAORDINARY>                        7891
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4897
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.85
<YIELD-ACTUAL>                                    4.37
<LOANS-NON>                                       5902
<LOANS-PAST>                                       272
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3389
<CHARGE-OFFS>                                     1808
<RECOVERIES>                                       184
<ALLOWANCE-CLOSE>                                 3285
<ALLOWANCE-DOMESTIC>                              3285
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0