<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 9312 <INT-BEARING-DEPOSITS> 305 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61082 <INVESTMENTS-CARRYING> 29479 <INVESTMENTS-MARKET> 29695 <LOANS> 243181 <ALLOWANCE> 3253 <TOTAL-ASSETS> 351393 <DEPOSITS> 265004 <SHORT-TERM> 40750 <LIABILITIES-OTHER> 3018 <LONG-TERM> 7059 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2030 <OTHER-SE> 35532 <TOTAL-LIABILITIES-AND-EQUITY> 351393 <INTEREST-LOAN> 15707 <INTEREST-INVEST> 3905 <INTEREST-OTHER> 25 <INTEREST-TOTAL> 19637 <INTEREST-DEPOSIT> 7482 <INTEREST-EXPENSE> 9012 <INTEREST-INCOME-NET> 10620 <LOAN-LOSSES> 638 <SECURITIES-GAINS> 393 <EXPENSE-OTHER> 8564 <INCOME-PRETAX> 4393 <INCOME-PRE-EXTRAORDINARY> 4393 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3357 <EPS-PRIMARY> 1.84 <EPS-DILUTED> 1.82 <YIELD-ACTUAL> 8.35 <LOANS-NON> 1319 <LOANS-PAST> 591 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3060 <CHARGE-OFFS> 522 <RECOVERIES> 77 <ALLOWANCE-CLOSE> 3253 <ALLOWANCE-DOMESTIC> 3253 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350