<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
(A) DEC.31,1997 FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH (B) FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           7,191
<INT-BEARING-DEPOSITS>                           6,288
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,698
<INVESTMENTS-CARRYING>                           6,294
<INVESTMENTS-MARKET>                             6,534
<LOANS>                                        241,794
<ALLOWANCE>                                      4,066
<TOTAL-ASSETS>                                 370,933
<DEPOSITS>                                     325,293
<SHORT-TERM>                                     2,255
<LIABILITIES-OTHER>                              2,746
<LONG-TERM>                                        671
<PREFERRED-MANDATORY>                              390
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      39,638
<TOTAL-LIABILITIES-AND-EQUITY>                 370,993
<INTEREST-LOAN>                                 21,248
<INTEREST-INVEST>                                7,291
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                28,539
<INTEREST-DEPOSIT>                              11,258
<INTEREST-EXPENSE>                              11,404
<INTEREST-INCOME-NET>                           17,135
<LOAN-LOSSES>                                    (316)
<SECURITIES-GAINS>                                 140
<EXPENSE-OTHER>                                  9,857
<INCOME-PRETAX>                                 10,933
<INCOME-PRE-EXTRAORDINARY>                      10,933
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,285
<EPS-PRIMARY>                                     1.92
<EPS-DILUTED>                                     1.83
<YIELD-ACTUAL>                                    5.03
<LOANS-NON>                                   $347,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                              $720,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,533
<CHARGE-OFFS>                                      608
<RECOVERIES>                                       457
<ALLOWANCE-CLOSE>                                4,066
<ALLOWANCE-DOMESTIC>                             4,066
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>