<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 3,243 <INT-BEARING-DEPOSITS> 17 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,082 <INVESTMENTS-CARRYING> 44,082 <INVESTMENTS-MARKET> 44,082 <LOANS> 136,577 <ALLOWANCE> 1,323 <TOTAL-ASSETS> 189,851 <DEPOSITS> 159,935 <SHORT-TERM> 9,700 <LIABILITIES-OTHER> 1,768 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 18,247 <TOTAL-LIABILITIES-AND-EQUITY> 189,851 <INTEREST-LOAN> 8,473 <INTEREST-INVEST> 2,274 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 10,747 <INTEREST-DEPOSIT> 5,584 <INTEREST-EXPENSE> 5,671 <INTEREST-INCOME-NET> 5,076 <LOAN-LOSSES> 280 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 4,188 <INCOME-PRETAX> 1,816 <INCOME-PRE-EXTRAORDINARY> 1,816 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,343 <EPS-PRIMARY> 1.80 <EPS-DILUTED> 1.80 <YIELD-ACTUAL> 8.97 <LOANS-NON> 1,999 <LOANS-PAST> 35 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,043 <ALLOWANCE-OPEN> 1,329 <CHARGE-OFFS> 356 <RECOVERIES> 70 <ALLOWANCE-CLOSE> 1,323 <ALLOWANCE-DOMESTIC> 1,323 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0