<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>