<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 7,752 <INT-BEARING-DEPOSITS> 24 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 72,113 <INVESTMENTS-CARRYING> 3,281 <INVESTMENTS-MARKET> 0 <LOANS> 178,362 <ALLOWANCE> 2,525 <TOTAL-ASSETS> 268,237 <DEPOSITS> 207,063 <SHORT-TERM> 16,489 <LIABILITIES-OTHER> 5,097 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,787 <OTHER-SE> 26,800 <TOTAL-LIABILITIES-AND-EQUITY> 268,237 <INTEREST-LOAN> 11,738 <INTEREST-INVEST> 3,477 <INTEREST-OTHER> 59 <INTEREST-TOTAL> 15,274 <INTEREST-DEPOSIT> 5,733 <INTEREST-EXPENSE> 448 <INTEREST-INCOME-NET> 9,903 <LOAN-LOSSES> 160 <SECURITIES-GAINS> 3,295 <EXPENSE-OTHER> 5,372 <INCOME-PRETAX> 7,715 <INCOME-PRE-EXTRAORDINARY> 7,715 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,625 <EPS-PRIMARY> 4.40 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 866 <LOANS-PAST> 3,055 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,413 <CHARGE-OFFS> 141 <RECOVERIES> 93 <ALLOWANCE-CLOSE> 2,525 <ALLOWANCE-DOMESTIC> 2,525 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0