<ARTICLE>                                           9

<MULTIPLIER>                                    1,000 
       
                                           
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             DEC-31-1997 
<PERIOD-END>                                  SEP-30-1997
<CASH>                                            958
<INT-BEARING-DEPOSITS>                          5,788
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     5,149
<INVESTMENTS-CARRYING>                          2,348
<INVESTMENTS-MARKET>                            2,353
<LOANS>                                       187,331<F1>
<ALLOWANCE>                                       733    
<TOTAL-ASSETS>                                204,761
<DEPOSITS>                                    144,494
<SHORT-TERM>                                   29,000 
<LIABILITIES-OTHER>                             2,154
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          219
<OTHER-SE>                                     28,894
<TOTAL-LIABILITIES-AND-EQUITY>                204,761 
<INTEREST-LOAN>                                10,841
<INTEREST-INVEST>                                 594
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                               11,435
<INTEREST-DEPOSIT>                              5,180
<INTEREST-EXPENSE>                              1,149
<INTEREST-INCOME-NET>                           5,106
<LOAN-LOSSES>                                     135
<SECURITIES-GAINS>                                  9
<EXPENSE-OTHER>                                 2,914
<INCOME-PRETAX>                                 2,846
<INCOME-PRE-EXTRAORDINARY>                      2,846
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,654
<EPS-PRIMARY>                                    0.87
<EPS-DILUTED>                                    0.87
<YIELD-ACTUAL>                                   3.44
<LOANS-NON>                                       421
<LOANS-PAST>                                      176
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                   620<F2>
<ALLOWANCE-OPEN>                                  615
<CHARGE-OFFS>                                      49
<RECOVERIES>                                       31
<ALLOWANCE-CLOSE>                                 733
<ALLOWANCE-DOMESTIC>                              733
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
<FN>
<F1>HELD TO MATURITY AND HELD FOR SALE
<F2>CLASSIFIED AS SUBSTANDARD
</FN>