<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