<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> 1000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           8,091
<INT-BEARING-DEPOSITS>                           3,031
<FED-FUNDS-SOLD>                                 6,213
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,042
<INVESTMENTS-CARRYING>                          58,385
<INVESTMENTS-MARKET>                            59,774
<LOANS>                                        179,676
<ALLOWANCE>                                      2,349
<TOTAL-ASSETS>                                 288,442
<DEPOSITS>                                     241,203
<SHORT-TERM>                                     7,291
<LIABILITIES-OTHER>                                987
<LONG-TERM>                                     11,687
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,216
<OTHER-SE>                                      19,058
<TOTAL-LIABILITIES-AND-EQUITY>                 288,442
<INTEREST-LOAN>                                 16,798
<INTEREST-INVEST>                                4,576
<INTEREST-OTHER>                                   738
<INTEREST-TOTAL>                                22,112
<INTEREST-DEPOSIT>                               9,828
<INTEREST-EXPENSE>                              10,813
<INTEREST-INCOME-NET>                           11,299
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,315
<INCOME-PRETAX>                                  4,407
<INCOME-PRE-EXTRAORDINARY>                       6,032
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,407
<EPS-PRIMARY>                                     3.38
<EPS-DILUTED>                                     3.38
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                        494
<LOANS-PAST>                                       746
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,120
<CHARGE-OFFS>                                      224
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                2,349
<ALLOWANCE-DOMESTIC>                             1,570
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            779


</TABLE>