<ARTICLE>                                            9

<MULTIPLIER>                                   1,000

                                                                          
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1997
<PERIOD-START>                                                       JAN-01-1997
<PERIOD-END>                                                         DEC-31-1997
<CASH>                                                                    12,436
<INT-BEARING-DEPOSITS>                                                    10,473
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
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<INVESTMENTS-MARKET>                                                      25,847
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<ALLOWANCE>                                                                1,596
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<DEPOSITS>                                                               422,368
<SHORT-TERM>                                                                   0
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<OTHER-SE>                                                                51,691
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<INTEREST-DEPOSIT>                                                        18,899
<INTEREST-EXPENSE>                                                        22,778
<INTEREST-INCOME-NET>                                                     18,439
<LOAN-LOSSES>                                                                385
<SECURITIES-GAINS>                                                             0
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<INCOME-PRETAX>                                                            8,266
<INCOME-PRE-EXTRAORDINARY>                                                 5,344
<EXTRAORDINARY>                                                                0
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<EPS-BASIC>                                                                  .93
<EPS-DILUTED>                                                                .91
<YIELD-ACTUAL>                                                              3.61
<LOANS-NON>                                                                  936
<LOANS-PAST>                                                               1,003
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
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<CHARGE-OFFS>                                                                176
<RECOVERIES>                                                                  14
<ALLOWANCE-CLOSE>                                                          1,596
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,596