WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                             DEC-31-1997
<PERIOD-END>                                  DEC-31-1997
<CASH>                                           3,290
<INT-BEARING-DEPOSITS>                           2,619
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 1,032
<INVESTMENTS-HELD-FOR-SALE>                     11,624
<INVESTMENTS-CARRYING>                           2,840
<INVESTMENTS-MARKET>                             3,752
<LOANS>                                        100,892
<ALLOWANCE>                                        935
<TOTAL-ASSETS>                                 130,708
<DEPOSITS>                                     112,947
<SHORT-TERM>                                     2,989
<LIABILITIES-OTHER>                                552
<LONG-TERM>                                      2,360
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,877
<OTHER-SE>                                       9,987
<TOTAL-LIABILITIES-AND-EQUITY>                 130,708
<INTEREST-LOAN>                                  7,584
<INTEREST-INVEST>                                1,590
<INTEREST-OTHER>                                   346
<INTEREST-TOTAL>                                 9,520
<INTEREST-DEPOSIT>                               4,922
<INTEREST-EXPENSE>                               6,038
<INTEREST-INCOME-NET>                            3,482
<LOAN-LOSSES>                                      122
<SECURITIES-GAINS>                                 390
<EXPENSE-OTHER>                                  3,849
<INCOME-PRETAX>                                  1,384
<INCOME-PRE-EXTRAORDINARY>                       1,384
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       898
<EPS-PRIMARY>                                      .61
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    8.10
<LOANS-NON>                                      1,436
<LOANS-PAST>                                       189
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                   870
<CHARGE-OFFS>                                       57
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  935
<ALLOWANCE-DOMESTIC>                               820
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            115