<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          14,643
<INT-BEARING-DEPOSITS>                              27
<FED-FUNDS-SOLD>                                 3,090
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          20,814
<INVESTMENTS-MARKET>                            21,376
<LOANS>                                        260,699
<ALLOWANCE>                                      4,728
<TOTAL-ASSETS>                                 368,083
<DEPOSITS>                                     327,450
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,906
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,082
<OTHER-SE>                                      20,645
<TOTAL-LIABILITIES-AND-EQUITY>                  35,727
<INTEREST-LOAN>                                 17,502
<INTEREST-INVEST>                                3,676
<INTEREST-OTHER>                                   336
<INTEREST-TOTAL>                                21,514
<INTEREST-DEPOSIT>                               8,038
<INTEREST-EXPENSE>                               8,041
<INTEREST-INCOME-NET>                           13,473
<LOAN-LOSSES>                                      325
<SECURITIES-GAINS>                                  12
<EXPENSE-OTHER>                                 10,592
<INCOME-PRETAX>                                  5,428
<INCOME-PRE-EXTRAORDINARY>                       5,428
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,633
<EPS-PRIMARY>                                     1.20
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                    5.78
<LOANS-NON>                                      1,148
<LOANS-PAST>                                         0
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<LOANS-PROBLEM>                                  1,500
<ALLOWANCE-OPEN>                                 4,726
<CHARGE-OFFS>                                      591
<RECOVERIES>                                       268
<ALLOWANCE-CLOSE>                                4,728
<ALLOWANCE-DOMESTIC>                             4,728
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0