<TABLE> <S> <C>


<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               DEC-31-1997             DEC-31-1996
<CASH>                                           13260                    2767
<INT-BEARING-DEPOSITS>                              40                      74
<FED-FUNDS-SOLD>                                     0                    8900
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      32694                   30997
<INVESTMENTS-CARRYING>                           29666                   29866
<INVESTMENTS-MARKET>                             29638                   29517
<LOANS>                                          56947                   57128
<ALLOWANCE>                                        825                     750
<TOTAL-ASSETS>                                  138868                  134951
<DEPOSITS>                                      119717                  115854
<SHORT-TERM>                                      4213                    5175
<LIABILITIES-OTHER>                               1157                    3886
<LONG-TERM>                                       3749                    1749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                     727
<COMMON>                                          1150                    1150
<OTHER-SE>                                        7398                    6546
<TOTAL-LIABILITIES-AND-EQUITY>                  138868                  134951
<INTEREST-LOAN>                                   5247                    4804
<INTEREST-INVEST>                                 3843                    3693
<INTEREST-OTHER>                                   481                     537
<INTEREST-TOTAL>                                  9571                    9034
<INTEREST-DEPOSIT>                                3927                    3514
<INTEREST-EXPENSE>                                 403                     288
<INTEREST-INCOME-NET>                             5241                    5232
<LOAN-LOSSES>                                      159                      91
<SECURITIES-GAINS>                                  18                       7
<EXPENSE-OTHER>                                   4630                    4839
<INCOME-PRETAX>                                   1651                    1449
<INCOME-PRE-EXTRAORDINARY>                        1651                    1449
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                      1069                     945
<EPS-PRIMARY>                                     8.98                    8.31
<EPS-DILUTED>                                     8.11                    7.51
<YIELD-ACTUAL>                                    4.38                    4.26
<LOANS-NON>                                       1277                    1025
<LOANS-PAST>                                        76                      33
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   750                     650
<CHARGE-OFFS>                                      158                      98
<RECOVERIES>                                        73                     107
<ALLOWANCE-CLOSE>                                  825                     750
<ALLOWANCE-DOMESTIC>                               825                     750
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             83                     112
        


</TABLE>