<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 9,555 <INT-BEARING-DEPOSITS> 31 <FED-FUNDS-SOLD> 8,850 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 63,521 <INVESTMENTS-CARRYING> 13,511 <INVESTMENTS-MARKET> 0 <LOANS> 264,878 <ALLOWANCE> 2,849 <TOTAL-ASSETS> 372,867 <DEPOSITS> 319,473 <SHORT-TERM> 2,052 <LIABILITIES-OTHER> 3,115 <LONG-TERM> 6,019 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 35,296 <TOTAL-LIABILITIES-AND-EQUITY> 372,867 <INTEREST-LOAN> 21,512 <INTEREST-INVEST> 4,483 <INTEREST-OTHER> 210 <INTEREST-TOTAL> 26,205 <INTEREST-DEPOSIT> 11,392 <INTEREST-EXPENSE> 430 <INTEREST-INCOME-NET> 11,822 <LOAN-LOSSES> 900 <SECURITIES-GAINS> 529 <EXPENSE-OTHER> 10,422 <INCOME-PRETAX> 5,747 <INCOME-PRE-EXTRAORDINARY> 4,302 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,302 <EPS-PRIMARY> 2.50 <EPS-DILUTED> 2.50 <YIELD-ACTUAL> 8.18 <LOANS-NON> 305 <LOANS-PAST> 600 <LOANS-TROUBLED> 597 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,473 <CHARGE-OFFS> 640 <RECOVERIES> 116 <ALLOWANCE-CLOSE> 2,849 <ALLOWANCE-DOMESTIC> 2,849 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,514