<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          14,371
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,184
<INVESTMENTS-CARRYING>                          70,239
<INVESTMENTS-MARKET>                            70,893
<LOANS>                                        221,721
<ALLOWANCE>                                      2,879
<TOTAL-ASSETS>                                 381,144
<DEPOSITS>                                     301,327
<SHORT-TERM>                                    37,366
<LIABILITIES-OTHER>                              4,734
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      31,730
<TOTAL-LIABILITIES-AND-EQUITY>                 381,144
<INTEREST-LOAN>                                 19,110
<INTEREST-INVEST>                                7,906
<INTEREST-OTHER>                                   743
<INTEREST-TOTAL>                                27,759
<INTEREST-DEPOSIT>                              10,009
<INTEREST-EXPENSE>                              11,764
<INTEREST-INCOME-NET>                           15,995
<LOAN-LOSSES>                                      800
<SECURITIES-GAINS>                                (28)
<EXPENSE-OTHER>                                 11,041
<INCOME-PRETAX>                                  7,567
<INCOME-PRE-EXTRAORDINARY>                       4,807
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,807
<EPS-PRIMARY>                                     8.03<F1>
<EPS-DILUTED>                                     8.03<F1>
<YIELD-ACTUAL>                                    4.66<F1>
<LOANS-NON>                                         24
<LOANS-PAST>                                       135
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,124<F2>
<ALLOWANCE-OPEN>                                 2,370
<CHARGE-OFFS>                                      642
<RECOVERIES>                                       351
<ALLOWANCE-CLOSE>                                2,879
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EARNINGS PER SHARE AND YIELD DATA.
<F2>INCLUDES NON-ACCRUAL LOANS PLUS CLASSIFIED CONFEDERATED LIFE ASSET.
</FN>
        

</TABLE>