<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM EVANS
BANCORP BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000842518
<NAME> EVANS BANCORP INC.
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1997
<CASH>                                       5,821,533
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,515,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,822,334
<INVESTMENTS-CARRYING>                       6,578,040
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    101,627,427
<ALLOWANCE>                                  (609,539)
<TOTAL-ASSETS>                             158,542,163
<DEPOSITS>                                 138,391,327
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          3,111,535
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       849,475
<OTHER-SE>                                  16,189,825
<TOTAL-LIABILITIES-AND-EQUITY>             158,542,163
<INTEREST-LOAN>                              8,632,716
<INTEREST-INVEST>                            2,317,619
<INTEREST-OTHER>                               122,516
<INTEREST-TOTAL>                            11,072,851
<INTEREST-DEPOSIT>                           4,576,397
<INTEREST-EXPENSE>                           4,588,055
<INTEREST-INCOME-NET>                        6,484,795
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                             (1,995)
<EXPENSE-OTHER>                              4,849,182
<INCOME-PRETAX>                              2,526,275
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,802,275
<EPS-PRIMARY>                                     1.06
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.31
<LOANS-NON>                                    626,899
<LOANS-PAST>                                    35,725
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               546,954
<CHARGE-OFFS>                                   46,858
<RECOVERIES>                                    49,443
<ALLOWANCE-CLOSE>                              609,539
<ALLOWANCE-DOMESTIC>                            60,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0