<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 21,035 <INT-BEARING-DEPOSITS> 599 <FED-FUNDS-SOLD> 2,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 135,257 <INVESTMENTS-CARRYING> 12,775 <INVESTMENTS-MARKET> 12,781 <LOANS> 217,977 <ALLOWANCE> 3,833 <TOTAL-ASSETS> 421,394 <DEPOSITS> 356,395 <SHORT-TERM> 22,049 <LIABILITIES-OTHER> 2,702 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,933 <OTHER-SE> 6,315 <TOTAL-LIABILITIES-AND-EQUITY> 421,394 <INTEREST-LOAN> 20,646 <INTEREST-INVEST> 4,869 <INTEREST-OTHER> 397 <INTEREST-TOTAL> 25,912 <INTEREST-DEPOSIT> 9,098 <INTEREST-EXPENSE> 10,190 <INTEREST-INCOME-NET> 15,722 <LOAN-LOSSES> 5,825 <SECURITIES-GAINS> (32) <EXPENSE-OTHER> 13,372 <INCOME-PRETAX> 377 <INCOME-PRE-EXTRAORDINARY> 403 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 403 <EPS-PRIMARY> .12 <EPS-DILUTED> .12 <YIELD-ACTUAL> 9.29 <LOANS-NON> 2,611 <LOANS-PAST> 131 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,792 <CHARGE-OFFS> 5,050 <RECOVERIES> 266 <ALLOWANCE-CLOSE> 3,833 <ALLOWANCE-DOMESTIC> 3,833 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0