<TABLE> <S> <C>


<ARTICLE>                     9

<MULTIPLIER>                                    1,000

<S>                                            <C>
<PERIOD-TYPE>                                       12-mos
<FISCAL-YEAR-END>                              Dec-31-1997
<PERIOD-START>                                 Jan-01-1997
<PERIOD-END>                                   Dec-31-1997
<CASH>                                              35,201
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     4,650
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                             131,784
<INVESTMENTS-MARKET>                               131,926
<LOANS>                                            411,501
<ALLOWANCE>                                          9,257
<TOTAL-ASSETS>                                     606,170
<DEPOSITS>                                         522,644
<SHORT-TERM>                                        14,036
<LIABILITIES-OTHER>                                  4,055
<LONG-TERM>                                         11,612
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               516
<OTHER-SE>                                          53,307
<TOTAL-LIABILITIES-AND-EQUITY>                     606,170
<INTEREST-LOAN>                                     30,909
<INTEREST-INVEST>                                    7,672
<INTEREST-OTHER>                                       400
<INTEREST-TOTAL>                                    38,981
<INTEREST-DEPOSIT>                                  12,599
<INTEREST-EXPENSE>                                  13,529
<INTEREST-INCOME-NET>                               25,452
<LOAN-LOSSES>                                        1,248
<SECURITIES-GAINS>                                     315
<EXPENSE-OTHER>                                     20,531
<INCOME-PRETAX>                                      7,752
<INCOME-PRE-EXTRAORDINARY>                           7,752
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,635
<EPS-PRIMARY>                                         0.91
<EPS-DILUTED>                                         0.90
<YIELD-ACTUAL>                                        5.43
<LOANS-NON>                                          9,075
<LOANS-PAST>                                           951
<LOANS-TROUBLED>                                       834
<LOANS-PROBLEM>                                     15,968
<ALLOWANCE-OPEN>                                     6,660
<CHARGE-OFFS>                                        1,361
<RECOVERIES>                                           602
<ALLOWANCE-CLOSE>                                    9,257
<ALLOWANCE-DOMESTIC>                                 9,257
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>