<ARTICLE> 9 <PERIOD-TYPE> 3-mos <FISCAL-YEAR-END> Dec-31-1997 <PERIOD-START> Jul-01-1997 <PERIOD-END> Sep-30-1997 <CASH> 22,265 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,667 <INVESTMENTS-CARRYING> 14,622 <INVESTMENTS-MARKET> 14,729 <LOANS> 222,724 <ALLOWANCE> 4,311 <TOTAL-ASSETS> 319,605 <DEPOSITS> 269,784 <SHORT-TERM> 12,000 <LIABILITIES-OTHER> 5,745 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,513 <OTHER-SE> 13,563 <TOTAL-LIABILITIES-AND-EQUITY> 319,605 <INTEREST-LOAN> 5,776 <INTEREST-INVEST> 1,072 <INTEREST-OTHER> (2) <INTEREST-TOTAL> 6,846 <INTEREST-DEPOSIT> 2,011 <INTEREST-EXPENSE> 2,171 <INTEREST-INCOME-NET> 4,675 <LOAN-LOSSES> 215 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,463 <INCOME-PRETAX> 2,244 <INCOME-PRE-EXTRAORDINARY> 2,244 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,296 <EPS-PRIMARY> .49 <EPS-DILUTED> .49 <YIELD-ACTUAL> .065 <LOANS-NON> 2,311 <LOANS-PAST> 0 <LOANS-TROUBLED> 66 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,076 <CHARGE-OFFS> 0 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 4,311 <ALLOWANCE-DOMESTIC> 4,311 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 354