<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (a) ITEM 7 - "FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (b) FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND INCORPORATED HEREIN BY REFERENCE. </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JUL-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 43,009 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 64,332 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,594 <INVESTMENTS-CARRYING> 48,155 <INVESTMENTS-MARKET> 48,284 <LOANS> 245,250 <ALLOWANCE> 4,108 <TOTAL-ASSETS> 463,626 <DEPOSITS> 415,587 <SHORT-TERM> 2,500 <LIABILITIES-OTHER> 3,979 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,208 <OTHER-SE> 10,220 <TOTAL-LIABILITIES-AND-EQUITY> 463,626 <INTEREST-LOAN> 6,309 <INTEREST-INVEST> 1,612 <INTEREST-OTHER> 816 <INTEREST-TOTAL> 8,737 <INTEREST-DEPOSIT> 3,096 <INTEREST-EXPENSE> 3,125 <INTEREST-INCOME-NET> 5,612 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,200 <INCOME-PRETAX> 2,840 <INCOME-PRE-EXTRAORDINARY> 2,840 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,685 <EPS-PRIMARY> 0.35 <EPS-DILUTED> 0.34 <YIELD-ACTUAL> 5.4 <LOANS-NON> 604 <LOANS-PAST> 132 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,203 <CHARGE-OFFS> 174 <RECOVERIES> 79 <ALLOWANCE-CLOSE> 4,108 <ALLOWANCE-DOMESTIC> 4,108 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0