<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K 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>                                          14,283
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,935
<INVESTMENTS-CARRYING>                          53,834
<INVESTMENTS-MARKET>                            54,158
<LOANS>                                        228,634
<ALLOWANCE>                                      1,842
<TOTAL-ASSETS>                                 367,118
<DEPOSITS>                                     322,484
<SHORT-TERM>                                     2,005
<LIABILITIES-OTHER>                              1,589
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      32,261
<TOTAL-LIABILITIES-AND-EQUITY>                 367,118
<INTEREST-LOAN>                                 19,774
<INTEREST-INVEST>                                5,968
<INTEREST-OTHER>                                   667
<INTEREST-TOTAL>                                26,409
<INTEREST-DEPOSIT>                              12,014
<INTEREST-EXPENSE>                              12,369
<INTEREST-INCOME-NET>                           14,040
<LOAN-LOSSES>                                      320
<SECURITIES-GAINS>                                  36
<EXPENSE-OTHER>                                  9,772
<INCOME-PRETAX>                                  7,272
<INCOME-PRE-EXTRAORDINARY>                       4,890
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,890
<EPS-PRIMARY>                                     1.14
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    4.37
<LOANS-NON>                                      1,188
<LOANS-PAST>                                       238
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,923
<CHARGE-OFFS>                                      644
<RECOVERIES>                                       243
<ALLOWANCE-CLOSE>                                1,842
<ALLOWANCE-DOMESTIC>                             1,320
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            522


</TABLE>