<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