<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 8,431,000 <INT-BEARING-DEPOSITS> 4,745,000 <FED-FUNDS-SOLD> 47,060,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 31,642,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 67,072,000 <ALLOWANCE> 1,792,000 <TOTAL-ASSETS> 161,516,000 <DEPOSITS> 144,790,000 <SHORT-TERM> 4,000 <LIABILITIES-OTHER> 1,640,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,184,000 <OTHER-SE> 3,898,000 <TOTAL-LIABILITIES-AND-EQUITY> 161,516,000 <INTEREST-LOAN> 6,057,000 <INTEREST-INVEST> 1,688,000 <INTEREST-OTHER> 1,175,000 <INTEREST-TOTAL> 8,920,000 <INTEREST-DEPOSIT> 2,451,000 <INTEREST-EXPENSE> 2,450,000 <INTEREST-INCOME-NET> 6,470,000 <LOAN-LOSSES> 519,000 <SECURITIES-GAINS> (4,000) <EXPENSE-OTHER> 4,794,000 <INCOME-PRETAX> 1,681,000 <INCOME-PRE-EXTRAORDINARY> 978,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 978,000 <EPS-PRIMARY> 0.40 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 0.074 <LOANS-NON> 173,000 <LOANS-PAST> 462,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,300,000 <CHARGE-OFFS> 1,226,000 <RECOVERIES> 199,000 <ALLOWANCE-CLOSE> 1,792,000 <ALLOWANCE-DOMESTIC> 1,792,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0