<ARTICLE> 9 <LEGEND> THIS SCHEDULE FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER 30, 1997 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 12,919 <INT-BEARING-DEPOSITS> 6,628 <FED-FUNDS-SOLD> 4,585 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 60,986 <INVESTMENTS-CARRYING> 91,314 <INVESTMENTS-MARKET> 91,695 <LOANS> 214,061 <ALLOWANCE> 2,419 <TOTAL-ASSETS> 400,165 <DEPOSITS> 342,346 <SHORT-TERM> 484 <LIABILITIES-OTHER> 3,844 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,482 <OTHER-SE> 44,009 <TOTAL-LIABILITIES-AND-EQUITY> 400,165 <INTEREST-LOAN> 14,418 <INTEREST-INVEST> 7,275 <INTEREST-OTHER> 459 <INTEREST-TOTAL> 22,152 <INTEREST-DEPOSIT> 9,739 <INTEREST-EXPENSE> 9,771 <INTEREST-INCOME-NET> 12,881 <LOAN-LOSSES> 303 <SECURITIES-GAINS> 25 <EXPENSE-OTHER> 7,527 <INCOME-PRETAX> 6,642 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,818 <EPS-PRIMARY> 1.29 <EPS-DILUTED> 1.29 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0