<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS FINANCIAL DATA SCHEDULE ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 1997
CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL STATEMENTS
AND MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS INCORPORATED BY REFERENCE FROM THE 1997 ANNUAL REPORT TO
SHAREHOLDERS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE ANNUAL
REPORT.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          33,821
<INT-BEARING-DEPOSITS>                             586
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,287
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        313,747
<ALLOWANCE>                                      2,330
<TOTAL-ASSETS>                                 444,167
<DEPOSITS>                                     399,212
<SHORT-TERM>                                     2,842
<LIABILITIES-OTHER>                              1,859
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        35,933
<OTHER-SE>                                       4,321
<TOTAL-LIABILITIES-AND-EQUITY>                 444,167
<INTEREST-LOAN>                                 27,632
<INTEREST-INVEST>                                4,431
<INTEREST-OTHER>                                   396
<INTEREST-TOTAL>                                32,459
<INTEREST-DEPOSIT>                              10,213
<INTEREST-EXPENSE>                              10,421
<INTEREST-INCOME-NET>                           22,038
<LOAN-LOSSES>                                    1,850
<SECURITIES-GAINS>                                 551
<EXPENSE-OTHER>                                 20,195
<INCOME-PRETAX>                                  5,744
<INCOME-PRE-EXTRAORDINARY>                       5,744
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,801
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    6.37
<LOANS-NON>                                      4,317
<LOANS-PAST>                                       373
<LOANS-TROUBLED>                                 5,500
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,634
<CHARGE-OFFS>                                    2,413
<RECOVERIES>                                       259
<ALLOWANCE-CLOSE>                                2,330
<ALLOWANCE-DOMESTIC>                             2,330
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>