<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           16848
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  4500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      12853
<INVESTMENTS-CARRYING>                           32221
<INVESTMENTS-MARKET>                             32572
<LOANS>                                         158741
<ALLOWANCE>                                       1863
<TOTAL-ASSETS>                                  238531
<DEPOSITS>                                      207065
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               7876
<LONG-TERM>                                       3000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          4432
<OTHER-SE>                                       16158
<TOTAL-LIABILITIES-AND-EQUITY>                  238531
<INTEREST-LOAN>                                  15741
<INTEREST-INVEST>                                 3050
<INTEREST-OTHER>                                    74
<INTEREST-TOTAL>                                 18865
<INTEREST-DEPOSIT>                                7260
<INTEREST-EXPENSE>                                7443
<INTEREST-INCOME-NET>                            11422
<LOAN-LOSSES>                                      460
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                   9169
<INCOME-PRETAX>                                   4117
<INCOME-PRE-EXTRAORDINARY>                        4117
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3032
<EPS-PRIMARY>                                     1.59
<EPS-DILUTED>                                     1.59
<YIELD-ACTUAL>                                     5.6
<LOANS-NON>                                       1087
<LOANS-PAST>                                      2663
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   3136
<ALLOWANCE-OPEN>                                  1814
<CHARGE-OFFS>                                      508
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                 1863
<ALLOWANCE-DOMESTIC>                              1047
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            816
        

</TABLE>