<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 22,632 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 55,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,805 <INVESTMENTS-CARRYING> 5,168 <INVESTMENTS-MARKET> 5,214 <LOANS> 150,382 <ALLOWANCE> 2,914 <TOTAL-ASSETS> 241,283 <DEPOSITS> 223,252 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,038 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,963 <OTHER-SE> 3,157 <TOTAL-LIABILITIES-AND-EQUITY> 241,283 <INTEREST-LOAN> 10,578 <INTEREST-INVEST> 543 <INTEREST-OTHER> 1,008 <INTEREST-TOTAL> 12,129 <INTEREST-DEPOSIT> 2,573 <INTEREST-EXPENSE> 2,573 <INTEREST-INCOME-NET> 9,556 <LOAN-LOSSES> 560 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,558 <INCOME-PRETAX> 2,282 <INCOME-PRE-EXTRAORDINARY> 2,282 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,464 <EPS-PRIMARY> 1.03 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 0 <LOANS-NON> 3,048 <LOANS-PAST> 74 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,737 <CHARGE-OFFS> 384 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 2,914 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0