<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
UNAUDITED  FINANCIAL  STATEMENTS FOR THE TWELVE-MONTH  PERIOD ENDED DECEMBER 31,
1997 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>                                           7,855
<INT-BEARING-DEPOSITS>                             377
<FED-FUNDS-SOLD>                                 3,637
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,151
<INVESTMENTS-CARRYING>                              50
<INVESTMENTS-MARKET>                                50
<LOANS>                                         82,383
<ALLOWANCE>                                      1,687
<TOTAL-ASSETS>                                 118,125
<DEPOSITS>                                      17,815
<SHORT-TERM>                                    52,488
<LIABILITIES-OTHER>                             14,020
<LONG-TERM>                                     10,296
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<COMMON>                                        25,054
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 118,125
<INTEREST-LOAN>                                 10,699
<INTEREST-INVEST>                                  168
<INTEREST-OTHER>                                    68
<INTEREST-TOTAL>                                10,935
<INTEREST-DEPOSIT>                                 357
<INTEREST-EXPENSE>                               6,157
<INTEREST-INCOME-NET>                            4,778
<LOAN-LOSSES>                                    1,534
<SECURITIES-GAINS>                               2,796
<EXPENSE-OTHER>                                 30,777
<INCOME-PRETAX>                                 13,698
<INCOME-PRE-EXTRAORDINARY>                       8,060
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,060
<EPS-PRIMARY>                                     1.52
<EPS-DILUTED>                                     1.51
<YIELD-ACTUAL>                                    6.10
<LOANS-NON>                                      4,527
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   924
<CHARGE-OFFS>                                      953
<RECOVERIES>                                       182
<ALLOWANCE-CLOSE>                                1,687
<ALLOWANCE-DOMESTIC>                             1,687
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>