<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               7,236
<INT-BEARING-DEPOSITS>                                 194
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         95,044
<INVESTMENTS-CARRYING>                              35,375
<INVESTMENTS-MARKET>                                34,566
<LOANS>                                            467,130
<ALLOWANCE>                                          4,297
<TOTAL-ASSETS>                                     616,188
<DEPOSITS>                                         407,443
<SHORT-TERM>                                       160,117
<LIABILITIES-OTHER>                                  4,479
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                50
<OTHER-SE>                                          44,099
<TOTAL-LIABILITIES-AND-EQUITY>                     616,188
<INTEREST-LOAN>                                     40,037
<INTEREST-INVEST>                                    6,898
<INTEREST-OTHER>                                     1,664
<INTEREST-TOTAL>                                    48,599
<INTEREST-DEPOSIT>                                  19,728
<INTEREST-EXPENSE>                                  29,637
<INTEREST-INCOME-NET>                               18,962
<LOAN-LOSSES>                                          225
<SECURITIES-GAINS>                                      15
<EXPENSE-OTHER>                                     15,981
<INCOME-PRETAX>                                      6,657
<INCOME-PRE-EXTRAORDINARY>                           6,657
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,103
<EPS-PRIMARY>                                          .82
<EPS-DILUTED>                                          .81
<YIELD-ACTUAL>                                        8.24
<LOANS-NON>                                             90
<LOANS-PAST>                                         6,157
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,783
<ALLOWANCE-OPEN>                                     4,390
<CHARGE-OFFS>                                          340
<RECOVERIES>                                            22
<ALLOWANCE-CLOSE>                                    4,297
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              4,297
        


</TABLE>