<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 4,297 <INT-BEARING-DEPOSITS> 8,574 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,394 <INVESTMENTS-CARRYING> 7,801 <INVESTMENTS-MARKET> 7,750 <LOANS> 104,296 <ALLOWANCE> 2,650 <TOTAL-ASSETS> 148,571 <DEPOSITS> 116,332 <SHORT-TERM> 0 <LIABILITIES-OTHER> 279 <LONG-TERM> 17,475 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,359 <OTHER-SE> 13,126 <TOTAL-LIABILITIES-AND-EQUITY> 148,571 <INTEREST-LOAN> 7,116 <INTEREST-INVEST> 1,393 <INTEREST-OTHER> 348 <INTEREST-TOTAL> 8,857 <INTEREST-DEPOSIT> 3,352 <INTEREST-EXPENSE> 1,115 <INTEREST-INCOME-NET> 4,390 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 244 <EXPENSE-OTHER> 3,727 <INCOME-PRETAX> 1,464 <INCOME-PRE-EXTRAORDINARY> 1,464 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 952 <EPS-PRIMARY> 0.690 <EPS-DILUTED> 0.690 <YIELD-ACTUAL> 9.230 <LOANS-NON> 2,186 <LOANS-PAST> 82 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,632 <ALLOWANCE-OPEN> 2,666 <CHARGE-OFFS> 226 <RECOVERIES> 210 <ALLOWANCE-CLOSE> 2,650 <ALLOWANCE-DOMESTIC> 2,650 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0