<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
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<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
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<EPS-PRIMARY>                                     2.39
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<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                      2,254
<LOANS-PAST>                                        32
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 2,616
<CHARGE-OFFS>                                      735
<RECOVERIES>                                        95
<ALLOWANCE-CLOSE>                                3,080
<ALLOWANCE-DOMESTIC>                             3,080
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,298