<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1997 and the Consolidated  Statement
of Income for the year Ended  December 31, 1997 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                    1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                                                                   DEC-31-1997
<PERIOD-END>                                                                        DEC-31-1997
<CASH>                                                                                    4,834
<INT-BEARING-DEPOSITS>                                                                        0
<FED-FUNDS-SOLD>                                                                          6,510
<TRADING-ASSETS>                                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                                              25,510
<INVESTMENTS-CARRYING>                                                                        0
<INVESTMENTS-MARKET>                                                                          0
<LOANS>                                                                                  65,838
<ALLOWANCE>                                                                                 890
<TOTAL-ASSETS>                                                                          104,968
<DEPOSITS>                                                                               92,291
<SHORT-TERM>                                                                                  0
<LIABILITIES-OTHER>                                                                         828
<LONG-TERM>                                                                                   0
<PREFERRED-MANDATORY>                                                                         0
<PREFERRED>                                                                                   0
<COMMON>                                                                                 10,479
<OTHER-SE>                                                                                1,370
<TOTAL-LIABILITIES-AND-EQUITY>                                                          104,968
<INTEREST-LOAN>                                                                           5,398
<INTEREST-INVEST>                                                                         1,646
<INTEREST-OTHER>                                                                            534
<INTEREST-TOTAL>                                                                          7,578
<INTEREST-DEPOSIT>                                                                        3,663
<INTEREST-EXPENSE>                                                                        3,664
<INTEREST-INCOME-NET>                                                                     3,914
<LOAN-LOSSES>                                                                               315
<SECURITIES-GAINS>                                                                            0
<EXPENSE-OTHER>                                                                           1,909
<INCOME-PRETAX>                                                                           2,212
<INCOME-PRE-EXTRAORDINARY>                                                                1,405
<EXTRAORDINARY>                                                                               0
<CHANGES>                                                                                     0
<NET-INCOME>                                                                              1,405
<EPS-PRIMARY>                                                                              1.60
<EPS-DILUTED>                                                                              1.55
<YIELD-ACTUAL>                                                                             4.00
<LOANS-NON>                                                                                 163
<LOANS-PAST>                                                                                  1
<LOANS-TROUBLED>                                                                              0
<LOANS-PROBLEM>                                                                             473
<ALLOWANCE-OPEN>                                                                            705
<CHARGE-OFFS>                                                                               140
<RECOVERIES>                                                                                 10
<ALLOWANCE-CLOSE>                                                                           890
<ALLOWANCE-DOMESTIC>                                                                        890
<ALLOWANCE-FOREIGN>                                                                           0
<ALLOWANCE-UNALLOCATED>                                                                       0


</TABLE>