<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>                                           2,669
<INT-BEARING-DEPOSITS>                             199
<FED-FUNDS-SOLD>                                 1,057
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,350
<INVESTMENTS-CARRYING>                           2,659
<INVESTMENTS-MARKET>                             2,731
<LOANS>                                         34,396
<ALLOWANCE>                                        311
<TOTAL-ASSETS>                                  49,794
<DEPOSITS>                                      45,909
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                322
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,212
<OTHER-SE>                                       2,351
<TOTAL-LIABILITIES-AND-EQUITY>                  49,794
<INTEREST-LOAN>                                  2,999
<INTEREST-INVEST>                                  609
<INTEREST-OTHER>                                    49
<INTEREST-TOTAL>                                 3,657
<INTEREST-DEPOSIT>                               1,608
<INTEREST-EXPENSE>                               1,646
<INTEREST-INCOME-NET>                            2,010
<LOAN-LOSSES>                                      139
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,630
<INCOME-PRETAX>                                    473
<INCOME-PRE-EXTRAORDINARY>                         347
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       347
<EPS-PRIMARY>                                     2.86
<EPS-DILUTED>                                     2.86
<YIELD-ACTUAL>                                    4.82
<LOANS-NON>                                        317
<LOANS-PAST>                                       184
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     29
<ALLOWANCE-OPEN>                                   281
<CHARGE-OFFS>                                      142
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                  311
<ALLOWANCE-DOMESTIC>                               311
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            111
        

</TABLE>