<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
SEPTEMBER 30, 1997 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY 
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          14,972
<INT-BEARING-DEPOSITS>                           5,511
<FED-FUNDS-SOLD>                                11,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,924
<INVESTMENTS-CARRYING>                          15,293
<INVESTMENTS-MARKET>                            15,685
<LOANS>                                        137,209
<ALLOWANCE>                                      3,561
<TOTAL-ASSETS>                                 289,539
<DEPOSITS>                                     249,007
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,196
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      30,520
<TOTAL-LIABILITIES-AND-EQUITY>                 289,539
<INTEREST-LOAN>                                  9,084
<INTEREST-INVEST>                                4,703
<INTEREST-OTHER>                                   908
<INTEREST-TOTAL>                                14,695
<INTEREST-DEPOSIT>                               6,169
<INTEREST-EXPENSE>                               6,403
<INTEREST-INCOME-NET>                            8,292
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,565
<INCOME-PRETAX>                                  5,594
<INCOME-PRE-EXTRAORDINARY>                       3,794
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,794
<EPS-PRIMARY>                                    13.53
<EPS-DILUTED>                                    13.53
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                        377
<LOANS-PAST>                                       854
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     73
<ALLOWANCE-OPEN>                                 3,306
<CHARGE-OFFS>                                      194
<RECOVERIES>                                       196
<ALLOWANCE-CLOSE>                                3,561
<ALLOWANCE-DOMESTIC>                             3,561
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0