<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