<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF CHOICEONE FINANCIAL SERVICES, INC. INCLUDED IN THE SEPTEMBER 30, 1997, FORM 10-QSB FILING AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 4,077 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 21,688 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 124,719 <ALLOWANCE> 1,543 <TOTAL-ASSETS> 155,429 <DEPOSITS> 105,646 <SHORT-TERM> 7,036 <LIABILITIES-OTHER> 1,572 <LONG-TERM> 25,913 <COMMON> 5,114 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,148 <TOTAL-LIABILITIES-AND-EQUITY> 155,429 <INTEREST-LOAN> 8,191 <INTEREST-INVEST> 1,006 <INTEREST-OTHER> 7 <INTEREST-TOTAL> 9,204 <INTEREST-DEPOSIT> 3,123 <INTEREST-EXPENSE> 4,582 <INTEREST-INCOME-NET> 4,622 <LOAN-LOSSES> 404 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,689 <INCOME-PRETAX> 1,751 <INCOME-PRE-EXTRAORDINARY> 1,269 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,269 <EPS-PRIMARY> 2.48 <EPS-DILUTED> 2.48 <YIELD-ACTUAL> 4.65 <LOANS-NON> 787 <LOANS-PAST> 179 <LOANS-TROUBLED> 4 <LOANS-PROBLEM> 789 <ALLOWANCE-OPEN> 1,487 <CHARGE-OFFS> 399 <RECOVERIES> 51 <ALLOWANCE-CLOSE> 1,543 <ALLOWANCE-DOMESTIC> 1,267 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 278