<TABLE> <S> <C>

<ARTICLE>                             9
<MULTIPLIER>                          1,000

 <S>                                           <C>
<PERIOD-TYPE>                                12-MOS
<FISCAL-YEAR-END>                                      DEC-31-1997
<PERIOD-END>                                           DEC-31-1997
<CASH>                                                                6,969
<INT-BEARING-DEPOSITS>                                                   35
<FED-FUNDS-SOLD>                                                      4,075
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          32,378
<INVESTMENTS-CARRYING>                                               38,069
<INVESTMENTS-MARKET>                                                 38,069
<LOANS>                                                             153,640
<ALLOWANCE>                                                           1,249
<TOTAL-ASSETS>                                                      240,271
<DEPOSITS>                                                          190,573
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                  12,285
<LONG-TERM>                                                               0
<COMMON>                                                                265
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           37,148
<TOTAL-LIABILITIES-AND-EQUITY>                                      240,271
<INTEREST-LOAN>                                                      12,323
<INTEREST-INVEST>                                                     3,248
<INTEREST-OTHER>                                                          0
<INTEREST-TOTAL>                                                     15,571
<INTEREST-DEPOSIT>                                                    7,489
<INTEREST-EXPENSE>                                                    7,489
<INTEREST-INCOME-NET>                                                 8,082
<LOAN-LOSSES>                                                            80
<SECURITIES-GAINS>                                                    1,065
<EXPENSE-OTHER>                                                       5,934
<INCOME-PRETAX>                                                       4,003
<INCOME-PRE-EXTRAORDINARY>                                            4,003
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          2,996
<EPS-PRIMARY>                                                          3.40
<EPS-DILUTED>                                                          3.40
<YIELD-ACTUAL>                                                         7.53
<LOANS-NON>                                                             217
<LOANS-PAST>                                                            451
<LOANS-TROUBLED>                                                        144
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,254
<CHARGE-OFFS>                                                           105
<RECOVERIES>                                                             20
<ALLOWANCE-CLOSE>                                                     1,249
<ALLOWANCE-DOMESTIC>                                                  1,249
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0


</TABLE>