<TABLE> <S> <C>


<ARTICLE>                                          9
<MULTIPLIER>                                       1000

<S>                                                <C>
<PERIOD-TYPE>                                      12-MOS
<FISCAL-YEAR-END>                                  DEC-31-1997
<PERIOD-END>                                       DEC-31-1997
<CASH>                                                        6128
<INT-BEARING-DEPOSITS>                                      129952
<FED-FUNDS-SOLD>                                              1300
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                  47270
<INVESTMENTS-CARRYING>                                       16426
<INVESTMENTS-MARKET>                                         16688
<LOANS>                                                     104247
<ALLOWANCE>                                                    974
<TOTAL-ASSETS>                                              184860
<DEPOSITS>                                                  156554
<SHORT-TERM>                                                  5848
<LIABILITIES-OTHER>                                            771
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      9063
<OTHER-SE>                                                   12623
<TOTAL-LIABILITIES-AND-EQUITY>                              184860
<INTEREST-LOAN>                                               8972
<INTEREST-INVEST>                                             3713
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                             12685
<INTEREST-DEPOSIT>                                            4886
<INTEREST-EXPENSE>                                            5192
<INTEREST-INCOME-NET>                                         7492
<LOAN-LOSSES>                                                  178
<SECURITIES-GAINS>                                            (91)
<EXPENSE-OTHER>                                               4971
<INCOME-PRETAX>                                               3494
<INCOME-PRE-EXTRAORDINARY>                                    3494
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  2631
<EPS-PRIMARY>                                                 1.51
<EPS-DILUTED>                                                 1.51
<YIELD-ACTUAL>                                                4.98
<LOANS-NON>                                                    243
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                408
<ALLOWANCE-OPEN>                                               884
<CHARGE-OFFS>                                                  128
<RECOVERIES>                                                    40
<ALLOWANCE-CLOSE>                                              974
<ALLOWANCE-DOMESTIC>                                           974
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>