<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT OF FORM 10-KSB FOR THE FISCAL YEAR ENDED DECEMBER 31, 1997 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>                                           1,876                   1,296
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                   300                   1,600
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      4,067                   1,990
<INVESTMENTS-CARRYING>                          28,979                  36,180
<INVESTMENTS-MARKET>                            29,095                  35,964
<LOANS>                                        134,564                 119,097
<ALLOWANCE>                                        778                     642
<TOTAL-ASSETS>                                 174,428                 164,888
<DEPOSITS>                                     150,469                 140,616
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              2,528                   2,601
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                               15                      15
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      21,416                  21,656
<TOTAL-LIABILITIES-AND-EQUITY>                 174,428                 164,888
<INTEREST-LOAN>                                  9,757                   8,758
<INTEREST-INVEST>                                2,371                   2,784
<INTEREST-OTHER>                                   240                     325
<INTEREST-TOTAL>                                12,368                  11,867
<INTEREST-DEPOSIT>                               6,623                   6,162
<INTEREST-EXPENSE>                               6,623                   6,187
<INTEREST-INCOME-NET>                            5,745                   5,680
<LOAN-LOSSES>                                      120                     120
<SECURITIES-GAINS>                                  56                       8
<EXPENSE-OTHER>                                  4,369                   5,239
<INCOME-PRETAX>                                  1,760                     724
<INCOME-PRE-EXTRAORDINARY>                       1,760                     724
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,068                     830
<EPS-PRIMARY>                                      .96                     .68
<EPS-DILUTED>                                      .93                     .67
<YIELD-ACTUAL>                                    3.46                    3.51
<LOANS-NON>                                      1,328                     801
<LOANS-PAST>                                        19                      32
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   642                     572
<CHARGE-OFFS>                                       26                      87
<RECOVERIES>                                        42                      37
<ALLOWANCE-CLOSE>                                  778                     642
<ALLOWANCE-DOMESTIC>                               477                     365
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            301                     277


</TABLE>