<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