<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