<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               DEC-31-1997             DEC-31-1996
<CASH>                                          13,771                  12,507
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 5,075                   1,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     49,596                  47,688
<INVESTMENTS-CARRYING>                          21,580                  28,059
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        229,277                 211,389
<ALLOWANCE>                                      2,789                   2,282
<TOTAL-ASSETS>                                 333,288                 313,071
<DEPOSITS>                                     267,590                 256,414
<SHORT-TERM>                                    21,766                  21,225
<LIABILITIES-OTHER>                              2,994                   2,832
<LONG-TERM>                                      7,813                   2,997
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           751                     741
<OTHER-SE>                                      32,374                  28,862
<TOTAL-LIABILITIES-AND-EQUITY>                 333,288                 313,071
<INTEREST-LOAN>                                 21,422                  19,769
<INTEREST-INVEST>                                5,075                   4,934
<INTEREST-OTHER>                                   121                      77
<INTEREST-TOTAL>                                22,617                  24,780
<INTEREST-DEPOSIT>                              11,057                  10,601
<INTEREST-EXPENSE>                              12,740                  11,959
<INTEREST-INCOME-NET>                           13,877                  12,821
<LOAN-LOSSES>                                      699                     609
<SECURITIES-GAINS>                                  93                     211
<EXPENSE-OTHER>                                 10,518                   9,838
<INCOME-PRETAX>                                  6,406                   5,743
<INCOME-PRE-EXTRAORDINARY>                       4,246                   3,710
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,246                   3,710
<EPS-PRIMARY>                                     5.70                    5.03
<EPS-DILUTED>                                     5.70                    5.03
<YIELD-ACTUAL>                                    4.54                    4.45
<LOANS-NON>                                        440                   1,118
<LOANS-PAST>                                       164                     177
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  4,038                   2,856
<ALLOWANCE-OPEN>                                 2,282                   2,216
<CHARGE-OFFS>                                      326                     680
<RECOVERIES>                                       134                     137
<ALLOWANCE-CLOSE>                                2,789                   2,282
<ALLOWANCE-DOMESTIC>                             2,789                   2,282
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>