<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 4428 <INT-BEARING-DEPOSITS> 1489 <FED-FUNDS-SOLD> 10700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15132 <INVESTMENTS-CARRYING> 35439 <INVESTMENTS-MARKET> 35088 <LOANS> 55115 <ALLOWANCE> 543 <TOTAL-ASSETS> 125552 <DEPOSITS> 88074 <SHORT-TERM> 5000 <LIABILITIES-OTHER> 1495 <LONG-TERM> 18039 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4531 <OTHER-SE> 8413 <TOTAL-LIABILITIES-AND-EQUITY> 125552 <INTEREST-LOAN> 4022 <INTEREST-INVEST> 2317 <INTEREST-OTHER> 498 <INTEREST-TOTAL> 6837 <INTEREST-DEPOSIT> 2176 <INTEREST-EXPENSE> 3170 <INTEREST-INCOME-NET> 3667 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 34 <EXPENSE-OTHER> 2349 <INCOME-PRETAX> 1726 <INCOME-PRE-EXTRAORDINARY> 1070 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1070 <EPS-PRIMARY> .91 <EPS-DILUTED> .91 <YIELD-ACTUAL> 8.1 <LOANS-NON> 365 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 331 <ALLOWANCE-OPEN> 628 <CHARGE-OFFS> 115 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 543 <ALLOWANCE-DOMESTIC> 366 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 177