<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM AUDITED
CONSOLIDATED BALANCE SHEETS, CONSOLIDATED STATEMENTS OF OPERATIONS AND OTHER
INTERNALLY GENERATED REPORTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               DEC-31-1997             DEC-31-1996
<CASH>                                          21,442                  10,247
<INT-BEARING-DEPOSITS>                           3,020                      20
<FED-FUNDS-SOLD>                                 3,520                   6,570
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     80,180                  39,933
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        159,835                 144,907
<ALLOWANCE>                                    (2,371)                 (2,146)
<TOTAL-ASSETS>                                 284,087                 214,738
<DEPOSITS>                                     255,186                 192,576
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,586                   1,787
<LONG-TERM>                                      1,761                     775
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        20,495                  17,179
<OTHER-SE>                                       3,059                   2,421
<TOTAL-LIABILITIES-AND-EQUITY>                 284,087                 214,738
<INTEREST-LOAN>                                 15,961                  13,773
<INTEREST-INVEST>                                3,352                   2,366
<INTEREST-OTHER>                                   740                     423
<INTEREST-TOTAL>                                20,053                  16,562
<INTEREST-DEPOSIT>                                 128                      49
<INTEREST-EXPENSE>                               7,024                   5,549
<INTEREST-INCOME-NET>                           13,029                  11,013
<LOAN-LOSSES>                                      773                     533
<SECURITIES-GAINS>                                 102                     678
<EXPENSE-OTHER>                                 15,496                  11,325
<INCOME-PRETAX>                                  4,869                   4,902
<INCOME-PRE-EXTRAORDINARY>                       4,869                   4,902
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,258                   2,976
<EPS-PRIMARY>                                     2.08                    1.94
<EPS-DILUTED>                                     1.78                    1.70
<YIELD-ACTUAL>                                    5.83                    6.08
<LOANS-NON>                                        838                     218
<LOANS-PAST>                                       866                     122
<LOANS-TROUBLED>                                     0                     108
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,146                   1,868
<CHARGE-OFFS>                                    (810)                   (374)
<RECOVERIES>                                       262                     119
<ALLOWANCE-CLOSE>                                2,371                   2,146
<ALLOWANCE-DOMESTIC>                               773                     637
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,598                   1,509
        

</TABLE>