<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Consolidated
Statement of Income and Balance Sheet and is qualified in its entirety by 
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               DEC-31-1997             DEC-31-1997
<CASH>                                          12,609                       0
<INT-BEARING-DEPOSITS>                              58                       0
<FED-FUNDS-SOLD>                                31,350                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          69,423                       0
<INVESTMENTS-MARKET>                            70,446                       0
<LOANS>                                        247,454                       0
<ALLOWANCE>                                      2,731                       0
<TOTAL-ASSETS>                                 371,751                       0
<DEPOSITS>                                     289,821                       0
<SHORT-TERM>                                    14,669                       0
<LIABILITIES-OTHER>                             26,484                       0
<LONG-TERM>                                     10,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      29,526                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 371,751                       0
<INTEREST-LOAN>                                 20,889                   5,501
<INTEREST-INVEST>                                4,897                   1,139
<INTEREST-OTHER>                                   444                     192
<INTEREST-TOTAL>                                26,230                   6,832
<INTEREST-DEPOSIT>                              11,956                   3,124
<INTEREST-EXPENSE>                              13,086                   3,447
<INTEREST-INCOME-NET>                           13,144                   3,385
<LOAN-LOSSES>                                      283                     100
<SECURITIES-GAINS>                                (80)                       0
<EXPENSE-OTHER>                                  8,374                   2,173
<INCOME-PRETAX>                                  6,243                   1,499
<INCOME-PRE-EXTRAORDINARY>                       6,243                   1,499
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,775                     908
<EPS-PRIMARY>                                     3.02                     .73
<EPS-DILUTED>                                     3.02                     .73
<YIELD-ACTUAL>                                    8.20                       0
<LOANS-NON>                                        255                       0
<LOANS-PAST>                                         8                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,506                       0
<CHARGE-OFFS>                                      249                       0
<RECOVERIES>                                       191                       0
<ALLOWANCE-CLOSE>                                2,731                       0
<ALLOWANCE-DOMESTIC>                             1,186                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,545                       0
        

</TABLE>