<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
MANAGEMENT DISCUSSION.
</LEGEND>
<MULTIPLIER>     1,000
<PERIOD-TYPE>                  YEAR
<FISCAL-YEAR-END>                            DEC-31-1997
<PERIOD-END>                                 DEC-31-1997
<CASH>                                            12,086
<INT-BEARING-DEPOSITS>                                85
<FED-FUNDS-SOLD>                                  19,225
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       55,103
<INVESTMENTS-CARRYING>                            11,312
<INVESTMENTS-MARKET>                              11,297
<LOANS>                                          267,283
<ALLOWANCE>                                        4,156
<TOTAL-ASSETS>                                   377,866
<DEPOSITS>                                       322,063
<SHORT-TERM>                                       6,146
<LIABILITIES-OTHER>                                2,809
<LONG-TERM>                                        9,322
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           1,732
<OTHER-SE>                                        25,794
<TOTAL-LIABILITIES-AND-EQUITY>                   377,866
<INTEREST-LOAN>                                   23,210
<INTEREST-INVEST>                                  5,288
<INTEREST-OTHER>                                     536
<INTEREST-TOTAL>                                  29,034
<INTEREST-DEPOSIT>                                10,861
<INTEREST-EXPENSE>                                12,007
<INTEREST-INCOME-NET>                             17,027
<LOAN-LOSSES>                                        535
<SECURITIES-GAINS>                                   313
<EXPENSE-OTHER>                                   11,859
<INCOME-PRETAX>                                    6,313
<INCOME-PRE-EXTRAORDINARY>                         6,313
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       4,039
<EPS-PRIMARY>                                       2.33
<EPS-DILUTED>                                       2.33
<YIELD-ACTUAL>                                      8.33
<LOANS-NON>                                        1,828
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                   1,184
<LOANS-PROBLEM>                                      813
<ALLOWANCE-OPEN>                                   3,941
<CHARGE-OFFS>                                        612
<RECOVERIES>                                         292
<ALLOWANCE-CLOSE>                                  4,156
<ALLOWANCE-DOMESTIC>                               3,512
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              644


</TABLE>