<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