<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>

    THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
          REGISTRANTS FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED
        DECEMBER 31, 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
                         TO SUCH FINANCIAL STATEMENTS.
                             (DOLLARS IN THOUSANDS)
</LEGEND>


       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
                             
<PERIOD-END>                                   DEC-31-1997
<FISCAL-YEAR-END>                              DEC-31-1997
<CASH>                                               3,199
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         51,535
<INVESTMENTS-CARRYING>                              99,361
<INVESTMENTS-MARKET>                                99,361
<LOANS>                                            127,818
<ALLOWANCE>                                          3,061
<TOTAL-ASSETS>                                     290,345
<DEPOSITS>                                         217,426
<SHORT-TERM>                                        31,334
<LIABILITIES-OTHER>                                  2,315
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            30,765
<OTHER-SE>                                           8,505
<TOTAL-LIABILITIES-AND-EQUITY>                     290,345
<INTEREST-LOAN>                                     10,182
<INTEREST-INVEST>                                    9,456
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    19,502
<INTEREST-DEPOSIT>                                   9,370
<INTEREST-EXPENSE>                                  10,431
<INTEREST-INCOME-NET>                                9,071
<LOAN-LOSSES>                                          475
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      5,708
<INCOME-PRETAX>                                      3,176
<INCOME-PRE-EXTRAORDINARY>                           3,176
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,117
<EPS-PRIMARY>                                          .80
<EPS-DILUTED>                                          .80
<YIELD-ACTUAL>                                        7.48
<LOANS-NON>                                          2,057
<LOANS-PAST>                                         2,057
<LOANS-TROUBLED>                                       761
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,126
<CHARGE-OFFS>                                          590
<RECOVERIES>                                            50
<ALLOWANCE-CLOSE>                                    3,061
<ALLOWANCE-DOMESTIC>                                 3,061 
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>