<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> 11,610 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 40,771 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,926 <INVESTMENTS-CARRYING> 20,362 <INVESTMENTS-MARKET> 20,862 <LOANS> 283,390 <ALLOWANCE> 3,144 <TOTAL-ASSETS> 425,436 <DEPOSITS> 324,554 <SHORT-TERM> 5,634 <LIABILITIES-OTHER> 3,438 <LONG-TERM> 44,013 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 982 <OTHER-SE> 46,815 <TOTAL-LIABILITIES-AND-EQUITY> 425,436 <INTEREST-LOAN> 26,324 <INTEREST-INVEST> 6,570 <INTEREST-OTHER> 1,101 <INTEREST-TOTAL> 33,995 <INTEREST-DEPOSIT> 12,732 <INTEREST-EXPENSE> 17,895 <INTEREST-INCOME-NET> 16,100 <LOAN-LOSSES> 1,232 <SECURITIES-GAINS> 2,204 <EXPENSE-OTHER> 11,022 <INCOME-PRETAX> 8,213 <INCOME-PRE-EXTRAORDINARY> 8,213 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,608 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.19 <YIELD-ACTUAL> 4.32<F1> <LOANS-NON> 562 <LOANS-PAST> 490 <LOANS-TROUBLED> 356 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,854 <CHARGE-OFFS> 1,184 <RECOVERIES> 242 <ALLOWANCE-CLOSE> 3,144 <ALLOWANCE-DOMESTIC> 3,144 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>Computed on a tax-equivalent basis </FN>