<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           7,729
<INT-BEARING-DEPOSITS>                           3,033
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     58,792
<INVESTMENTS-CARRYING>                          40,056
<INVESTMENTS-MARKET>                            40,453
<LOANS>                                        461,457
<ALLOWANCE>                                      1,625
<TOTAL-ASSETS>                                 603,965
<DEPOSITS>                                     520,690
<SHORT-TERM>                                     1,043
<LIABILITIES-OTHER>                              6,622
<LONG-TERM>                                     27,095
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,831
<OTHER-SE>                                      38,684
<TOTAL-LIABILITIES-AND-EQUITY>                 603,965
<INTEREST-LOAN>                                 36,892
<INTEREST-INVEST>                                7,323
<INTEREST-OTHER>                                   713
<INTEREST-TOTAL>                                44,928
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<INTEREST-EXPENSE>                              28,255
<INTEREST-INCOME-NET>                           16,673
<LOAN-LOSSES>                                      215
<SECURITIES-GAINS>                                  12
<EXPENSE-OTHER>                                  9,485
<INCOME-PRETAX>                                  9,311
<INCOME-PRE-EXTRAORDINARY>                       6,141
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<ALLOWANCE-OPEN>                                 1,423
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         6
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<ALLOWANCE-DOMESTIC>                             1,625
<ALLOWANCE-FOREIGN>                                  0
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