<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 7,398 <INT-BEARING-DEPOSITS> 140 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,614 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 185,022 <ALLOWANCE> 2,072 <TOTAL-ASSETS> 250,739 <DEPOSITS> 222,249 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,541 <LONG-TERM> 2,857 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,743 <OTHER-SE> 21,439 <TOTAL-LIABILITIES-AND-EQUITY> 250,739 <INTEREST-LOAN> 12,079 <INTEREST-INVEST> 2,276 <INTEREST-OTHER> 114 <INTEREST-TOTAL> 14,469 <INTEREST-DEPOSIT> 6,525 <INTEREST-EXPENSE> 6,734 <INTEREST-INCOME-NET> 7,735 <LOAN-LOSSES> 202 <SECURITIES-GAINS> (17) <EXPENSE-OTHER> 5,588 <INCOME-PRETAX> 2,813 <INCOME-PRE-EXTRAORDINARY> 2,813 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,919 <EPS-PRIMARY> 1.75 <EPS-DILUTED> 1.75 <YIELD-ACTUAL> 4.54 <LOANS-NON> 2,829 <LOANS-PAST> 391 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,110 <CHARGE-OFFS> 351 <RECOVERIES> 111 <ALLOWANCE-CLOSE> 2,072 <ALLOWANCE-DOMESTIC> 2,072 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0