<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1997 <CASH> 4,876 <INT-BEARING-DEPOSITS> 22 <FED-FUNDS-SOLD> 4 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 43,239 <INVESTMENTS-CARRYING> 43,239 <INVESTMENTS-MARKET> 43,239 <LOANS> 122,782 <ALLOWANCE> 1,691 <TOTAL-ASSETS> 177,319 <DEPOSITS> 151,837 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,468 <LONG-TERM> 5,334 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 214 <OTHER-SE> 17,680 <TOTAL-LIABILITIES-AND-EQUITY> 177,319 <INTEREST-LOAN> 7,879 <INTEREST-INVEST> 1,847 <INTEREST-OTHER> 167 <INTEREST-TOTAL> 9,893 <INTEREST-DEPOSIT> 4,020 <INTEREST-EXPENSE> 4,222 <INTEREST-INCOME-NET> 5,671 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 3,858 <INCOME-PRETAX> 2,764 <INCOME-PRE-EXTRAORDINARY> 2,006 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,006 <EPS-PRIMARY> 1.96 <EPS-DILUTED> 1.96 <YIELD-ACTUAL> 5.01 <LOANS-NON> 420 <LOANS-PAST> 522 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,620 <CHARGE-OFFS> 65 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 1,691 <ALLOWANCE-DOMESTIC> 1,691 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0