<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 7,426 <INT-BEARING-DEPOSITS> 601 <FED-FUNDS-SOLD> 9,565 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 43,983 <INVESTMENTS-CARRYING> 8,808 <INVESTMENTS-MARKET> 9,097 <LOANS> 188,713 <ALLOWANCE> 3,080 <TOTAL-ASSETS> 267,714 <DEPOSITS> 229,658 <SHORT-TERM> 9,490 <LIABILITIES-OTHER> 2,426 <LONG-TERM> 2,457 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 90 <OTHER-SE> 23,566 <TOTAL-LIABILITIES-AND-EQUITY> 267,714 <INTEREST-LOAN> 12,065 <INTEREST-INVEST> 2,638 <INTEREST-OTHER> 112 <INTEREST-TOTAL> 14,815 <INTEREST-DEPOSIT> 6,063 <INTEREST-EXPENSE> 6,544 <INTEREST-INCOME-NET> 8,271 <LOAN-LOSSES> 1,105 <SECURITIES-GAINS> 70 <EXPENSE-OTHER> 5,351 <INCOME-PRETAX> 2,820 <INCOME-PRE-EXTRAORDINARY> 2,820 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,981 <EPS-PRIMARY> 2.39 <EPS-DILUTED> 2.39 <YIELD-ACTUAL> 4.71 <LOANS-NON> 2,254 <LOANS-PAST> 32 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,616 <CHARGE-OFFS> 735 <RECOVERIES> 95 <ALLOWANCE-CLOSE> 3,080 <ALLOWANCE-DOMESTIC> 3,080 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,298