<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE
     QUARTERLY REEPORT ON FORM 10-K405 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-END>                                   DEC-31-1997
<CASH>                                           2,738
<INT-BEARING-DEPOSITS>                             551
<FED-FUNDS-SOLD>                                 3,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,929
<INVESTMENTS-CARRYING>                         148,945
<INVESTMENTS-MARKET>                           149,375
<LOANS>                                        148,201
<ALLOWANCE>                                      1,168
<TOTAL-ASSETS>                                 328,522
<DEPOSITS>                                     230,133
<SHORT-TERM>                                    49,720
<LIABILITIES-OTHER>                              1,376
<LONG-TERM>                                      9,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           304
<OTHER-SE>                                      37,991
<TOTAL-LIABILITIES-AND-EQUITY>                 328,522
<INTEREST-LOAN>                                 10,081
<INTEREST-INVEST>                               10,983
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                21,064
<INTEREST-DEPOSIT>                              10,328
<INTEREST-EXPENSE>                               2,592
<INTEREST-INCOME-NET>                            8,144
<LOAN-LOSSES>                                      240
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,403
<INCOME-PRETAX>                                  2,929
<INCOME-PRE-EXTRAORDINARY>                       1,856
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,856
<EPS-PRIMARY>                                     0.78<F1>
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                      1,284
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,912
<ALLOWANCE-OPEN>                                 1,090
<CHARGE-OFFS>                                      162
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,168
<ALLOWANCE-DOMESTIC>                             1,168
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,168

<FN>
<F1>Basic Earnings Per Share
</FN>

</TABLE>