<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>