<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
<INVESTMENTS-HELD-FOR-SALE>                                               12,019
<INVESTMENTS-CARRYING>                                                    25,696
<INVESTMENTS-MARKET>                                                      25,847
<LOANS>                                                                  481,501
<ALLOWANCE>                                                                1,596
<TOTAL-ASSETS>                                                           570,170
<DEPOSITS>                                                               422,368
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                       10,152
<LONG-TERM>                                                               82,319
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   3,640
<OTHER-SE>                                                                51,691
<TOTAL-LIABILITIES-AND-EQUITY>                                           570,170
<INTEREST-LOAN>                                                           37,060
<INTEREST-INVEST>                                                          2,946
<INTEREST-OTHER>                                                           1,211
<INTEREST-TOTAL>                                                          41,217
<INTEREST-DEPOSIT>                                                        18,899
<INTEREST-EXPENSE>                                                        22,778
<INTEREST-INCOME-NET>                                                     18,439
<LOAN-LOSSES>                                                                385
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                           13,733
<INCOME-PRETAX>                                                            8,266
<INCOME-PRE-EXTRAORDINARY>                                                 5,344
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               5,344
<EPS-PRIMARY>                                                                .98
<EPS-DILUTED>                                                                .96
<YIELD-ACTUAL>                                                              3.61
<LOANS-NON>                                                                  936
<LOANS-PAST>                                                               1,003
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,373
<CHARGE-OFFS>                                                                176
<RECOVERIES>                                                                  14
<ALLOWANCE-CLOSE>                                                          1,596
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,596