<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 8,317 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 5,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,415 <INVESTMENTS-CARRYING> 26,741 <INVESTMENTS-MARKET> 26,683 <LOANS> 86,932 <ALLOWANCE> 1,001 <TOTAL-ASSETS> 143,560 <DEPOSITS> 130,307 <SHORT-TERM> 736 <LIABILITIES-OTHER> 1,034 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,238 <OTHER-SE> 1,244 <TOTAL-LIABILITIES-AND-EQUITY> 143,560 <INTEREST-LOAN> 6,340 <INTEREST-INVEST> 1,895 <INTEREST-OTHER> 250 <INTEREST-TOTAL> 8,485 <INTEREST-DEPOSIT> 3,134 <INTEREST-EXPENSE> 3,155 <INTEREST-INCOME-NET> 5,330 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,230 <INCOME-PRETAX> 1,665 <INCOME-PRE-EXTRAORDINARY> 1,665 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 981 <EPS-PRIMARY> 0.94 <EPS-DILUTED> 0.93 <YIELD-ACTUAL> 8.98 <LOANS-NON> 79 <LOANS-PAST> 97 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 944 <CHARGE-OFFS> 49 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 1,001 <ALLOWANCE-DOMESTIC> 827 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 174