<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 3,185 <INT-BEARING-DEPOSITS> 135 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 36,499 <INVESTMENTS-CARRYING> 2,163 <INVESTMENTS-MARKET> 2,165 <LOANS> 108,762 <ALLOWANCE> 1,077 <TOTAL-ASSETS> 156,178 <DEPOSITS> 140,252 <SHORT-TERM> 1,303 <LIABILITIES-OTHER> 1,177 <LONG-TERM> 1,467 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,879 <OTHER-SE> 12,047 <TOTAL-LIABILITIES-AND-EQUITY> 156,178 <INTEREST-LOAN> 6,955 <INTEREST-INVEST> 1,645 <INTEREST-OTHER> 88 <INTEREST-TOTAL> 8,688 <INTEREST-DEPOSIT> 4,125 <INTEREST-EXPENSE> 4,200 <INTEREST-INCOME-NET> 4,488 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 8 <EXPENSE-OTHER> 3,426 <INCOME-PRETAX> 1,709 <INCOME-PRE-EXTRAORDINARY> 1,709 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,192 <EPS-PRIMARY> 1.54 <EPS-DILUTED> 1.54 <YIELD-ACTUAL> 3.19 <LOANS-NON> 61 <LOANS-PAST> 513 <LOANS-TROUBLED> 37 <LOANS-PROBLEM> 1,446 <ALLOWANCE-OPEN> 974 <CHARGE-OFFS> 40 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,077 <ALLOWANCE-DOMESTIC> 1,077 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0