<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from Condensed Balance
Sheet and Statement of Income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1997             SEP-30-1997
<CASH>                                          10,464                       0
<INT-BEARING-DEPOSITS>                              74                       0
<FED-FUNDS-SOLD>                                 7,300                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          70,607                       0
<INVESTMENTS-MARKET>                            71,422                       0
<LOANS>                                        244,237                       0
<ALLOWANCE>                                      2,670                       0
<TOTAL-ASSETS>                                 342,051                       0
<DEPOSITS>                                     285,760                       0
<SHORT-TERM>                                    17,885                       0
<LIABILITIES-OTHER>                              3,697                       0
<LONG-TERM>                                      4,625                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      28,833                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 342,051                       0
<INTEREST-LOAN>                                 15,388                   5,332
<INTEREST-INVEST>                                3,759                   1,196
<INTEREST-OTHER>                                   251                     104
<INTEREST-TOTAL>                                19,398                   6,632
<INTEREST-DEPOSIT>                               8,832                   3,048
<INTEREST-EXPENSE>                               9,639                   3,320
<INTEREST-INCOME-NET>                            9,759                   3,312
<LOAN-LOSSES>                                      183                      58
<SECURITIES-GAINS>                                (80)                    (83)
<EXPENSE-OTHER>                                  6,201                   2,097
<INCOME-PRETAX>                                  4,745                   1,500
<INCOME-PRE-EXTRAORDINARY>                       4,745                   1,500
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,868                     906
<EPS-PRIMARY>                                     2.29                     .72
<EPS-DILUTED>                                     2.29                     .72
<YIELD-ACTUAL>                                    8.19                       0
<LOANS-NON>                                        169                       0
<LOANS-PAST>                                        40                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,506                       0
<CHARGE-OFFS>                                      189                       0
<RECOVERIES>                                       170                       0
<ALLOWANCE-CLOSE>                                2,670                       0
<ALLOWANCE-DOMESTIC>                             1,182                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,488                   1,488