<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 6,516 <INT-BEARING-DEPOSITS> 17 <FED-FUNDS-SOLD> 4,180 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,487 <INVESTMENTS-CARRYING> 40,293 <INVESTMENTS-MARKET> 40,535 <LOANS> 137,512 <ALLOWANCE> 1,803 <TOTAL-ASSETS> 220,910 <DEPOSITS> 189,007 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,191 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,400 <OTHER-SE> 27,312 <TOTAL-LIABILITIES-AND-EQUITY> 220,910 <INTEREST-LOAN> 12,330 <INTEREST-INVEST> 3,953 <INTEREST-OTHER> 184 <INTEREST-TOTAL> 16,467 <INTEREST-DEPOSIT> 7,785 <INTEREST-EXPENSE> 7,785 <INTEREST-INCOME-NET> 8,682 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 65 <EXPENSE-OTHER> 5,398 <INCOME-PRETAX> 3,895 <INCOME-PRE-EXTRAORDINARY> 3,045 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,045 <EPS-PRIMARY> 2.18 <EPS-DILUTED> 2.18 <YIELD-ACTUAL> 7.97 <LOANS-NON> 113 <LOANS-PAST> 259 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 649 <ALLOWANCE-OPEN> 1,707 <CHARGE-OFFS> 123 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 1,803 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0