<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED INCOME STATEMENTS AND CONSOLODATED BALANCE SHEETS FOUND ON
PAGES 149 AND 150 OF THE COMPANY'S FORM 10-K FOR THE YEAR-TO-DATE, AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                           9,040
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,225
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,666
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        250,227
<ALLOWANCE>                                      3,798
<TOTAL-ASSETS>                                 381,811
<DEPOSITS>                                     332,381
<SHORT-TERM>                                     9,575
<LIABILITIES-OTHER>                              3,709
<LONG-TERM>                                         44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           727
<OTHER-SE>                                      35,375
<TOTAL-LIABILITIES-AND-EQUITY>                 381,811
<INTEREST-LOAN>                                 20,389
<INTEREST-INVEST>                                5,462
<INTEREST-OTHER>                                   291
<INTEREST-TOTAL>                                26,142
<INTEREST-DEPOSIT>                              14,056
<INTEREST-EXPENSE>                              14,068
<INTEREST-INCOME-NET>                           12,074
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,956
<INCOME-PRETAX>                                  5,534
<INCOME-PRE-EXTRAORDINARY>                       5,534
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,400
<EPS-PRIMARY>                                     2.00
<EPS-DILUTED>                                     2.00
<YIELD-ACTUAL>                                    7.93
<LOANS-NON>                                      2,272
<LOANS-PAST>                                     3,169
<LOANS-TROUBLED>                                   189
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,944
<CHARGE-OFFS>                                      657
<RECOVERIES>                                       151
<ALLOWANCE-CLOSE>                                3,798
<ALLOWANCE-DOMESTIC>                             3,798
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>