<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF INCOME FOUND ON 
PAGES 48 AND 49 OF THE COMPANY'S 10-K FOR DECEMBER 31, 1997 AND IS QUALIFIED 
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          24,262
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,544
<INVESTMENTS-CARRYING>                          12,135
<INVESTMENTS-MARKET>                            12,182
<LOANS>                                        210,991
<ALLOWANCE>                                      3,268
<TOTAL-ASSETS>                                 280,734
<DEPOSITS>                                     251,555
<SHORT-TERM>                                     1,194
<LIABILITIES-OTHER>                              2,377
<LONG-TERM>                                        415
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,058
<OTHER-SE>                                       9,135
<TOTAL-LIABILITIES-AND-EQUITY>                 280,734
<INTEREST-LOAN>                                 20,007
<INTEREST-INVEST>                                1,833
<INTEREST-OTHER>                                   455
<INTEREST-TOTAL>                                22,295
<INTEREST-DEPOSIT>                               5,652
<INTEREST-EXPENSE>                               5,941
<INTEREST-INCOME-NET>                           16,354
<LOAN-LOSSES>                                    1,122
<SECURITIES-GAINS>                                  53
<EXPENSE-OTHER>                                 16,251
<INCOME-PRETAX>                                  5,822
<INCOME-PRE-EXTRAORDINARY>                       3,509
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,509
<EPS-PRIMARY>                                      .82
<EPS-DILUTED>                                      .75
<YIELD-ACTUAL>                                    9.45
<LOANS-NON>                                      3,021
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 3,862
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,129
<CHARGE-OFFS>                                    1,569
<RECOVERIES>                                       586
<ALLOWANCE-CLOSE>                                3,268
<ALLOWANCE-DOMESTIC>                             3,268
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0