<TABLE> <S> <C>

<ARTICLE>                                      9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-K405 AND IS QUALIFIED IN ITS ENTIRETY BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1000

<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                              41,625
<INT-BEARING-DEPOSITS>                               2,737
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         68,884
<INVESTMENTS-CARRYING>                             265,780
<INVESTMENTS-MARKET>                               267,633
<LOANS>                                            252,740
<ALLOWANCE>                                          2,029
<TOTAL-ASSETS>                                     597,047
<DEPOSITS>                                         450,429
<SHORT-TERM>                                        30,000
<LIABILITIES-OTHER>                                  8,164
<LONG-TERM>                                         58,359
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               529
<OTHER-SE>                                          49,566
<TOTAL-LIABILITIES-AND-EQUITY>                     597,047
<INTEREST-LOAN>                                     23,050
<INTEREST-INVEST>                                   18,197
<INTEREST-OTHER>                                     1,942
<INTEREST-TOTAL>                                    43,189
<INTEREST-DEPOSIT>                                  18,211
<INTEREST-EXPENSE>                                  24,080
<INTEREST-INCOME-NET>                               19,109
<LOAN-LOSSES>                                          397
<SECURITIES-GAINS>                                     407
<EXPENSE-OTHER>                                     13,583
<INCOME-PRETAX>                                      7,456
<INCOME-PRE-EXTRAORDINARY>                           7,456
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,874
<EPS-PRIMARY>                                         1.33
<EPS-DILUTED>                                         1.25
<YIELD-ACTUAL>                                        3.12
<LOANS-NON>                                              0
<LOANS-PAST>                                         1,382
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,806
<CHARGE-OFFS>                                          174
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    2,029
<ALLOWANCE-DOMESTIC>                                 2,029
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              2,029



</TABLE>