<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from (a) Item 7 -
"Financial Statements and Supplementary Data" and is qualified in its entirety
by reference to such (b)  financial statements included in this report and
incorporated herein by reference.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. 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>                                          39,891
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                64,706
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,481
<INVESTMENTS-CARRYING>                          39,048
<INVESTMENTS-MARKET>                            39,105
<LOANS>                                        257,393
<ALLOWANCE>                                      4,223
<TOTAL-ASSETS>                                 497,674
<DEPOSITS>                                     450,301
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,649
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        31,644
<OTHER-SE>                                      11,979
<TOTAL-LIABILITIES-AND-EQUITY>                 497,674
<INTEREST-LOAN>                                 24,828
<INTEREST-INVEST>                                5,823
<INTEREST-OTHER>                                 3,265
<INTEREST-TOTAL>                                33,916
<INTEREST-DEPOSIT>                              11,943
<INTEREST-EXPENSE>                              12,041
<INTEREST-INCOME-NET>                           21,875
<LOAN-LOSSES>                                       64
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,573
<INCOME-PRETAX>                                 11,003
<INCOME-PRE-EXTRAORDINARY>                      11,003
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,503
<EPS-PRIMARY>                                     1.36
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                       6
<LOANS-NON>                                        816
<LOANS-PAST>                                        79
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,372
<CHARGE-OFFS>                                      440
<RECOVERIES>                                       227
<ALLOWANCE-CLOSE>                                4,223
<ALLOWANCE-DOMESTIC>                             4,223
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>