<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                            4140
<INT-BEARING-DEPOSITS>                           34270
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      37067
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         142111
<ALLOWANCE>                                       2167
<TOTAL-ASSETS>                                  222026
<DEPOSITS>                                      180385
<SHORT-TERM>                                      7351
<LIABILITIES-OTHER>                               3066
<LONG-TERM>                                       4721
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2627
<OTHER-SE>                                       23876
<TOTAL-LIABILITIES-AND-EQUITY>                  222026
<INTEREST-LOAN>                                   9953
<INTEREST-INVEST>                                 2842
<INTEREST-OTHER>                                     9
<INTEREST-TOTAL>                                 12804
<INTEREST-DEPOSIT>                                5431
<INTEREST-EXPENSE>                                5844
<INTEREST-INCOME-NET>                             6960
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                   3721
<INCOME-PRETAX>                                   4610
<INCOME-PRE-EXTRAORDINARY>                        3212
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3212
<EPS-PRIMARY>                                     1.23
<EPS-DILUTED>                                     1.23
<YIELD-ACTUAL>                                    8.63
<LOANS-NON>                                       1661
<LOANS-PAST>                                       566
<LOANS-TROUBLED>                                   113
<LOANS-PROBLEM>                                   2065
<ALLOWANCE-OPEN>                                  2173
<CHARGE-OFFS>                                      193
<RECOVERIES>                                       112
<ALLOWANCE-CLOSE>                                 2167
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0