<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
1997 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>1,000
<CURRENCY>U.S.

<S>                                                   <C>
<PERIOD-TYPE>                                         Year
<FISCAL-YEAR-END>                                     DEC-31-1997
<PERIOD-END>                                          DEC-31-1997
<EXCHANGE-RATE>                                       1.00
<CASH>                                                950
<INT-BEARING-DEPOSITS>                                680
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                           17,332
<INVESTMENTS-CARRYING>                                36,186
<INVESTMENTS-MARKET>                                  36,334
<LOANS>                                               36,317
<ALLOWANCE>                                           300
<TOTAL-ASSETS>                                        96,258
<DEPOSITS>                                            70,924
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                   684
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                              1,223
<OTHER-SE>                                            23,427
<TOTAL-LIABILITIES-AND-EQUITY>                        96,258
<INTEREST-LOAN>                                       3,223
<INTEREST-INVEST>                                     3,808
<INTEREST-OTHER>                                      283
<INTEREST-TOTAL>                                      7,314
<INTEREST-DEPOSIT>                                    3,293
<INTEREST-EXPENSE>                                    168
<INTEREST-INCOME-NET>                                 3,853
<LOAN-LOSSES>                                         225
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                       2,142
<INCOME-PRETAX>                                       2,161
<INCOME-PRE-EXTRAORDINARY>                            2,161
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                          1,352
<EPS-PRIMARY>                                         1.10
<EPS-DILUTED>                                         1.10
<YIELD-ACTUAL>                                        7.32
<LOANS-NON>                                           0
<LOANS-PAST>                                          174
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       198
<ALLOWANCE-OPEN>                                      75
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                     300
<ALLOWANCE-DOMESTIC>                                  300
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0


</TABLE>