<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 10,123 <INT-BEARING-DEPOSITS> 84 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,640 <INVESTMENTS-CARRYING> 12,615 <INVESTMENTS-MARKET> 12,716 <LOANS> 145,323 <ALLOWANCE> 1,861 <TOTAL-ASSETS> 208,522 <DEPOSITS> 180,943 <SHORT-TERM> 5,766 <LIABILITIES-OTHER> 1,321 <LONG-TERM> 125 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 17,539 <TOTAL-LIABILITIES-AND-EQUITY> 208,522 <INTEREST-LOAN> 9,340 <INTEREST-INVEST> 2,226 <INTEREST-OTHER> 66 <INTEREST-TOTAL> 11,632 <INTEREST-DEPOSIT> 5,832 <INTEREST-EXPENSE> 6,107 <INTEREST-INCOME-NET> 5,525 <LOAN-LOSSES> 155 <SECURITIES-GAINS> 3 <EXPENSE-OTHER> 3,307 <INCOME-PRETAX> 2,617 <INCOME-PRE-EXTRAORDINARY> 2,617 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,768 <EPS-PRIMARY> 1.99 <EPS-DILUTED> 1.99 <YIELD-ACTUAL> 3.77 <LOANS-NON> 1,097 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,953 <ALLOWANCE-OPEN> 1,925 <CHARGE-OFFS> 257 <RECOVERIES> 38 <ALLOWANCE-CLOSE> 1,861 <ALLOWANCE-DOMESTIC> 1,861 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0