<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 12,436 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,589 <INVESTMENTS-CARRYING> 13,703 <INVESTMENTS-MARKET> 13,870 <LOANS> 79,309 <ALLOWANCE> 1,587 <TOTAL-ASSETS> 120,244 <DEPOSITS> 107,442 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 1,165 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,352 <OTHER-SE> 6,285 <TOTAL-LIABILITIES-AND-EQUITY> 120,244 <INTEREST-LOAN> 5,994 <INTEREST-INVEST> 732 <INTEREST-OTHER> 321 <INTEREST-TOTAL> 7,047 <INTEREST-DEPOSIT> 2,126 <INTEREST-EXPENSE> 2,140 <INTEREST-INCOME-NET> 4,907 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,345 <INCOME-PRETAX> 2,260 <INCOME-PRE-EXTRAORDINARY> 2,260 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,314 <EPS-PRIMARY> 1.37 <EPS-DILUTED> 1.37 <YIELD-ACTUAL> 9.65 <LOANS-NON> 707 <LOANS-PAST> 159 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,587 <CHARGE-OFFS> 42 <RECOVERIES> 22 <ALLOWANCE-CLOSE> 1,587 <ALLOWANCE-DOMESTIC> 1,587 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0