<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           7,921
<INT-BEARING-DEPOSITS>                           3,152
<FED-FUNDS-SOLD>                                 6,813
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,060
<INVESTMENTS-CARRYING>                          52,442
<INVESTMENTS-MARKET>                            53,413
<LOANS>                                        174,039
<ALLOWANCE>                                      2,273
<TOTAL-ASSETS>                                 278,986
<DEPOSITS>                                     233,528
<SHORT-TERM>                                     5,793
<LIABILITIES-OTHER>                              1,123
<LONG-TERM>                                     11,940
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,188
<OTHER-SE>                                      18,412
<TOTAL-LIABILITIES-AND-EQUITY>                 278,986
<INTEREST-LOAN>                                 12,374
<INTEREST-INVEST>                                3,342
<INTEREST-OTHER>                                   586
<INTEREST-TOTAL>                                16,303
<INTEREST-DEPOSIT>                               7,242
<INTEREST-EXPENSE>                               7,965
<INTEREST-INCOME-NET>                            8,338
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,565
<INCOME-PRETAX>                                  4,603
<INCOME-PRE-EXTRAORDINARY>                       4,603
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,310
<EPS-PRIMARY>                                     2.55
<EPS-DILUTED>                                     2.55
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                        494
<LOANS-PAST>                                       566
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,121
<CHARGE-OFFS>                                      189
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                2,273
<ALLOWANCE-DOMESTIC>                             1,572
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            702