<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 10,854 <INT-BEARING-DEPOSITS> 1,526 <FED-FUNDS-SOLD> 6,815 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 19,833 <INVESTMENTS-MARKET> 19,869 <LOANS> 144,333 <ALLOWANCE> (1,816) <TOTAL-ASSETS> 274,873 <DEPOSITS> 215,308 <SHORT-TERM> 14,050 <LIABILITIES-OTHER> 2,761 <LONG-TERM> 6,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,038 <OTHER-SE> 17,716 <TOTAL-LIABILITIES-AND-EQUITY> 274,873 <INTEREST-LOAN> 3,369 <INTEREST-INVEST> 671 <INTEREST-OTHER> 2,024 <INTEREST-TOTAL> 6,064 <INTEREST-DEPOSIT> 2,155 <INTEREST-EXPENSE> 2,472 <INTEREST-INCOME-NET> 3,592 <LOAN-LOSSES> 104 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,238 <INCOME-PRETAX> 1,675 <INCOME-PRE-EXTRAORDINARY> 1,207 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,207 <EPS-PRIMARY> .33 <EPS-DILUTED> .32 <YIELD-ACTUAL> 10.27 <LOANS-NON> 927 <LOANS-PAST> 522 <LOANS-TROUBLED> 387 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (1,740) <CHARGE-OFFS> 33 <RECOVERIES> (5) <ALLOWANCE-CLOSE> (1,816) <ALLOWANCE-DOMESTIC> (1,816) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> (1,816)