<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 15,853 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 80,466 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 80,466 <LOANS> 146,427 <ALLOWANCE> 3,609 <TOTAL-ASSETS> 261,505 <DEPOSITS> 201,197 <SHORT-TERM> 30,070 <LIABILITIES-OTHER> 2,474 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,011 <OTHER-SE> 16,753 <TOTAL-LIABILITIES-AND-EQUITY> 261,505 <INTEREST-LOAN> 14,383 <INTEREST-INVEST> 5,052 <INTEREST-OTHER> 1,244 <INTEREST-TOTAL> 20,679 <INTEREST-DEPOSIT> 4,172 <INTEREST-EXPENSE> 5,627 <INTEREST-INCOME-NET> 15,052 <LOAN-LOSSES> 450 <SECURITIES-GAINS> (10) <EXPENSE-OTHER> 11,006 <INCOME-PRETAX> 8,656 <INCOME-PRE-EXTRAORDINARY> 8,656 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,155 <EPS-PRIMARY> 2.34 <EPS-DILUTED> 2.30 <YIELD-ACTUAL> .066 <LOANS-NON> 266 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,158 <CHARGE-OFFS> 165 <RECOVERIES> 166 <ALLOWANCE-CLOSE> 3,609 <ALLOWANCE-DOMESTIC> 3,609 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0