<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <EXCHANGE-RATE> 1.00 <CASH> 14871 <INT-BEARING-DEPOSITS> 7722 <FED-FUNDS-SOLD> 6510 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42597 <INVESTMENTS-CARRYING> 1274 <INVESTMENTS-MARKET> 1286 <LOANS> 193996 <ALLOWANCE> 1888 <TOTAL-ASSETS> 281806 <DEPOSITS> 242923 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2838 <LONG-TERM> 4372 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21014 <OTHER-SE> 10659 <TOTAL-LIABILITIES-AND-EQUITY> 281806 <INTEREST-LOAN> 15144 <INTEREST-INVEST> 1096 <INTEREST-OTHER> 799 <INTEREST-TOTAL> 17039 <INTEREST-DEPOSIT> 6477 <INTEREST-EXPENSE> 6708 <INTEREST-INCOME-NET> 10331 <LOAN-LOSSES> 548 <SECURITIES-GAINS> (25) <EXPENSE-OTHER> 7274 <INCOME-PRETAX> 5503 <INCOME-PRE-EXTRAORDINARY> 5503 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3680 <EPS-PRIMARY> 1.00 <EPS-DILUTED> 1.00 <YIELD-ACTUAL> 10.16 <LOANS-NON> 1958 <LOANS-PAST> 359 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2034 <CHARGE-OFFS> 747 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 1888 <ALLOWANCE-DOMESTIC> 1888 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0