<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 5,833 <INT-BEARING-DEPOSITS> 40 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,573 <INVESTMENTS-CARRYING> 59,432 <INVESTMENTS-MARKET> 59,933 <LOANS> 186,539 <ALLOWANCE> 2,147 <TOTAL-ASSETS> 291,763 <DEPOSITS> 255,307 <SHORT-TERM> 2,323 <LIABILITIES-OTHER> 1,465 <LONG-TERM> 5,247 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,747 <OTHER-SE> 22,598 <TOTAL-LIABILITIES-AND-EQUITY> 291,763 <INTEREST-LOAN> 12,816 <INTEREST-INVEST> 4,014 <INTEREST-OTHER> 175 <INTEREST-TOTAL> 17,005 <INTEREST-DEPOSIT> 8,262 <INTEREST-EXPENSE> 8,659 <INTEREST-INCOME-NET> 8,346 <LOAN-LOSSES> 158 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,914 <INCOME-PRETAX> 4,291 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,966 <EPS-PRIMARY> 1.08 <EPS-DILUTED> 1.08 <YIELD-ACTUAL> 4.19 <LOANS-NON> 1,410 <LOANS-PAST> 18 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,995 <CHARGE-OFFS> 20 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 2,147 <ALLOWANCE-DOMESTIC> 2,147 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0