<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the December
31, 1997 consolidated financial statements and management's discussion and
analysis of financial condition and results of operations contained in the Form
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                         DEC-31-1997
<PERIOD-END>                              DEC-31-1997
<CASH>                                          4,907
<INT-BEARING-DEPOSITS>                             76
<FED-FUNDS-SOLD>                                  498
<TRADING-ASSETS>                                   61
<INVESTMENTS-HELD-FOR-SALE>                     8,113
<INVESTMENTS-CARRYING>                          1,249
<INVESTMENTS-MARKET>                            1,254
<LOANS>                                        61,179
<ALLOWANCE>                                     1,432
<TOTAL-ASSETS>                                 85,535
<DEPOSITS>                                     63,735
<SHORT-TERM>                                    6,903
<LIABILITIES-OTHER>                             2,363
<LONG-TERM>                                     4,500
<PREFERRED-MANDATORY>                           3,245
<PREFERRED>                                         0
<COMMON>                                          691
<OTHER-SE>                                      4,098
<TOTAL-LIABILITIES-AND-EQUITY>                 85,535
<INTEREST-LOAN>                                 5,259
<INTEREST-INVEST>                                 589
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                5,848
<INTEREST-DEPOSIT>                              1,654
<INTEREST-EXPENSE>                              2,221
<INTEREST-INCOME-NET>                           3,627
<LOAN-LOSSES>                                     322
<SECURITIES-GAINS>                                 33
<EXPENSE-OTHER>                                 3,381
<INCOME-PRETAX>                                 2,171
<INCOME-PRE-EXTRAORDINARY>                      2,171
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,303
<EPS-PRIMARY>                                    4.89
<EPS-DILUTED>                                    4.74
<YIELD-ACTUAL>                                   5.21
<LOANS-NON>                                       392
<LOANS-PAST>                                      202
<LOANS-TROUBLED>                                   12
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,488
<CHARGE-OFFS>                                     514
<RECOVERIES>                                      138
<ALLOWANCE-CLOSE>                               1,432
<ALLOWANCE-DOMESTIC>                            1,432
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           304
                                               


</TABLE>