<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE
     ANNUAL REPORT ON FORM 10KSB40 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1000

<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                           2,142
<INT-BEARING-DEPOSITS>                           1,541
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,226
<INVESTMENTS-CARRYING>                          30,058
<INVESTMENTS-MARKET>                            30,085
<LOANS>                                        105,467
<ALLOWANCE>                                        596
<TOTAL-ASSETS>                                 178,144
<DEPOSITS>                                     166,759
<SHORT-TERM>                                       551
<LIABILITIES-OTHER>                                970
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           440
<OTHER-SE>                                       3,670
<TOTAL-LIABILITIES-AND-EQUITY>                 178,144
<INTEREST-LOAN>                                  8,639
<INTEREST-INVEST>                                3,665
<INTEREST-OTHER>                                   404
<INTEREST-TOTAL>                                12,707
<INTEREST-DEPOSIT>                               4,603
<INTEREST-EXPENSE>                                  20
<INTEREST-INCOME-NET>                            4,603
<LOAN-LOSSES>                                      101
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  3,439
<INCOME-PRETAX>                                  1,230
<INCOME-PRE-EXTRAORDINARY>                       1,230
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       794
<EPS-PRIMARY>                                     1.80
<EPS-DILUTED>                                     1.80
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                      2,601
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   406
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   524
<CHARGE-OFFS>                                       37
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  596
<ALLOWANCE-DOMESTIC>                               596
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            596



</TABLE>