<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1997 <PERIOD-END> SEP-30-1997 <CASH> 15,773 <INT-BEARING-DEPOSITS> 397 <FED-FUNDS-SOLD> 14,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 93,539 <INVESTMENTS-CARRYING> 21,277 <INVESTMENTS-MARKET> 22,123 <LOANS> 327,463 <ALLOWANCE> 6,265 <TOTAL-ASSETS> 488,928 <DEPOSITS> 426,367 <SHORT-TERM> 5,533 <LIABILITIES-OTHER> 4,740 <LONG-TERM> 0 <COMMON> 25,460 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 26,828 <TOTAL-LIABILITIES-AND-EQUITY> 488,928 <INTEREST-LOAN> 21,890 <INTEREST-INVEST> 5,689 <INTEREST-OTHER> 359 <INTEREST-TOTAL> 13,002 <INTEREST-DEPOSIT> 12,765 <INTEREST-EXPENSE> 237 <INTEREST-INCOME-NET> 14,936 <LOAN-LOSSES> 476 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,222 <INCOME-PRETAX> 7,082 <INCOME-PRE-EXTRAORDINARY> 7,082 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,687 <EPS-PRIMARY> .92 <EPS-DILUTED> .92 <YIELD-ACTUAL> 4.43 <LOANS-NON> 595 <LOANS-PAST> 1,679 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,274 <ALLOWANCE-OPEN> 6,528 <CHARGE-OFFS> 461 <RECOVERIES> 674 <ALLOWANCE-CLOSE> 6,265 <ALLOWANCE-DOMESTIC> 6,265 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,428