<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF PINNACLE BANCSHARES, INC. FOR THE YEAR ENDED DECEMBER
31, 1997 AND IS QUALIFED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           2,747
<INT-BEARING-DEPOSITS>                           4,873
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     44,423
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        138,910
<ALLOWANCE>                                      1,234
<TOTAL-ASSETS>                                 201,949
<DEPOSITS>                                     179,377
<SHORT-TERM>                                     3,640
<LIABILITIES-OTHER>                              2,151
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      16,763
<TOTAL-LIABILITIES-AND-EQUITY>                 201,949
<INTEREST-LOAN>                                 15,246
<INTEREST-INVEST>                                2,991
<INTEREST-OTHER>                                   320
<INTEREST-TOTAL>                                15,858
<INTEREST-DEPOSIT>                               8,696
<INTEREST-EXPENSE>                               8,903
<INTEREST-INCOME-NET>                            6,955
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  4,663
<INCOME-PRETAX>                                  3,251
<INCOME-PRE-EXTRAORDINARY>                       2,062
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,062
<EPS-PRIMARY>                                     1.16
<EPS-DILUTED>                                     1.15
<YIELD-ACTUAL>                                     3.7
<LOANS-NON>                                      2,032
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,197
<CHARGE-OFFS>                                      427
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                                1,234
<ALLOWANCE-DOMESTIC>                             1,234
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>