<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 6,454,000 <INT-BEARING-DEPOSITS> 2,114,000 <FED-FUNDS-SOLD> 000 <TRADING-ASSETS> 000 <INVESTMENTS-HELD-FOR-SALE> 35,082,000 <INVESTMENTS-CARRYING> 000 <INVESTMENTS-MARKET> 000 <LOANS> 139,824,000 <ALLOWANCE> 1,725,000 <TOTAL-ASSETS> 190,071,000 <DEPOSITS> 167,988,000 <SHORT-TERM> 000 <LIABILITIES-OTHER> 2,216,000 <LONG-TERM> 3,000,000 <PREFERRED-MANDATORY> 000 <PREFERRED> 000 <COMMON> 876,000 <OTHER-SE> 5,602,000 <TOTAL-LIABILITIES-AND-EQUITY> 190,071,000 <INTEREST-LOAN> 12,650,000 <INTEREST-INVEST> 2,098,000 <INTEREST-OTHER> 79,000 <INTEREST-TOTAL> 14,827,000 <INTEREST-DEPOSIT> 6,736,000 <INTEREST-EXPENSE> 7,045,000 <INTEREST-INCOME-NET> 7,782,000 <LOAN-LOSSES> 785,000 <SECURITIES-GAINS> (4,000) <EXPENSE-OTHER> 5,248,000 <INCOME-PRETAX> 3,197,000 <INCOME-PRE-EXTRAORDINARY> 3,197,000 <EXTRAORDINARY> 000 <CHANGES> 000 <NET-INCOME> 2,122,000 <EPS-PRIMARY> 2.50 <EPS-DILUTED> 2.47 <YIELD-ACTUAL> 4.70 <LOANS-NON> 512,000 <LOANS-PAST> 352,000 <LOANS-TROUBLED> 000 <LOANS-PROBLEM> 000 <ALLOWANCE-OPEN> 1,440,000 <CHARGE-OFFS> 537,000 <RECOVERIES> 37,000 <ALLOWANCE-CLOSE> 1,725,000 <ALLOWANCE-DOMESTIC> 000 <ALLOWANCE-FOREIGN> 000 <ALLOWANCE-UNALLOCATED> 1,725,000