<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information derived from the
     annual report on Form 10KSB40 and is qualified in its entirety by
     reference to such financial information.

</LEGEND>
<MULTIPLIER>                       1,000


<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                           4,947
<INT-BEARING-DEPOSITS>                              28
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,977
<INVESTMENTS-CARRYING>                           6,057
<INVESTMENTS-MARKET>                             6,053
<LOANS>                                         86,144
<ALLOWANCE>                                        874
<TOTAL-ASSETS>                                 133,956
<DEPOSITS>                                     117,655
<SHORT-TERM>                                       200
<LIABILITIES-OTHER>                                540
<LONG-TERM>                                      2,063
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,352
<OTHER-SE>                                      12,146
<TOTAL-LIABILITIES-AND-EQUITY>                 133,956
<INTEREST-LOAN>                                  6,969
<INTEREST-INVEST>                                2,464
<INTEREST-OTHER>                                    90
<INTEREST-TOTAL>                                 9,523
<INTEREST-DEPOSIT>                               3,655
<INTEREST-EXPENSE>                               3,727
<INTEREST-INCOME-NET>                            5,796
<LOAN-LOSSES>                                      220
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,382
<INCOME-PRETAX>                                  1,790
<INCOME-PRE-EXTRAORDINARY>                       1,244
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,244
<EPS-PRIMARY>                                     1.15
<EPS-DILUTED>                                     1.15
<YIELD-ACTUAL>                                    4.78
<LOANS-NON>                                        820
<LOANS-PAST>                                       171
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   733
<CHARGE-OFFS>                                      108
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                  874
<ALLOWANCE-DOMESTIC>                               374
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            500



</TABLE>