<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 27,912,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,425,000 <INVESTMENTS-CARRYING> 20,112,000 <INVESTMENTS-MARKET> 22,115,000 <LOANS> 232,484,000 <ALLOWANCE> 2,922,000 <TOTAL-ASSETS> 358,500,000 <DEPOSITS> 314,862,000 <SHORT-TERM> 12,050,000 <LIABILITIES-OTHER> 2,137,000 <LONG-TERM> 4,575,000 <COMMON> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 24,873,000 <TOTAL-LIABILITIES-AND-EQUITY> 358,500,000 <INTEREST-LOAN> 17,530,000 <INTEREST-INVEST> 3,413,000 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 20,943,000 <INTEREST-DEPOSIT> 5,453,000 <INTEREST-EXPENSE> 6,214,000 <INTEREST-INCOME-NET> 14,729,000 <LOAN-LOSSES> 324,000 <SECURITIES-GAINS> 11,000 <EXPENSE-OTHER> 10,862,000 <INCOME-PRETAX> 5,332,000 <INCOME-PRE-EXTRAORDINARY> 5,332,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,101,000 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.00 <YIELD-ACTUAL> 6.78 <LOANS-NON> 900,000 <LOANS-PAST> 435,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,121,000 <CHARGE-OFFS> 1,003,000 <RECOVERIES> 196,000 <ALLOWANCE-CLOSE> 2,922,000 <ALLOWANCE-DOMESTIC> 2,922,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0