<TABLE> <S> <C>



<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                            3739                    4138
<INT-BEARING-DEPOSITS>                              48                      59
<FED-FUNDS-SOLD>                                  8100                    3000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      31315                   29280
<INVESTMENTS-CARRYING>                           28120                   29579
<INVESTMENTS-MARKET>                             27952                   28855
<LOANS>                                          58173                   56902
<ALLOWANCE>                                        825                     760
<TOTAL-ASSETS>                                  135444                  128596
<DEPOSITS>                                      113918                  106452
<SHORT-TERM>                                      6000                    5832
<LIABILITIES-OTHER>                                171                    4154
<LONG-TERM>                                       3749                    3749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          2051                    2051
<OTHER-SE>                                        6482                    5854
<TOTAL-LIABILITIES-AND-EQUITY>                  135444                  128596
<INTEREST-LOAN>                                   1281                    1253
<INTEREST-INVEST>                                 1050                    1048
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  2331                    2301
<INTEREST-DEPOSIT>                                1000                     921
<INTEREST-EXPENSE>                                  97                      84
<INTEREST-INCOME-NET>                             1234                    1296
<LOAN-LOSSES>                                       38                      27
<SECURITIES-GAINS>                                   8                      21
<EXPENSE-OTHER>                                   1138                    1194
<INCOME-PRETAX>                                    402                     397
<INCOME-PRE-EXTRAORDINARY>                         402                     397
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       266                     253
<EPS-PRIMARY>                                     1.64                    1.86
<EPS-DILUTED>                                     1.46                    1.66
<YIELD-ACTUAL>                                    4.02                    4.16
<LOANS-NON>                                       1024                     981
<LOANS-PAST>                                      3015                       0
<LOANS-TROUBLED>                                  1261                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   825                     750
<CHARGE-OFFS>                                       84                      29
<RECOVERIES>                                        46                      12
<ALLOWANCE-CLOSE>                                  825                     760
<ALLOWANCE-DOMESTIC>                               788                     655
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             37                     105
        





</TABLE>