<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 1,325 <INT-BEARING-DEPOSITS> 11,882 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120,719 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 262,007 <ALLOWANCE> 3,078 <TOTAL-ASSETS> 401,437 <DEPOSITS> 273,502 <SHORT-TERM> 56,868 <LIABILITIES-OTHER> 3,156 <LONG-TERM> 21,257 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 234 <OTHER-SE> 46,420 <TOTAL-LIABILITIES-AND-EQUITY> 401,437 <INTEREST-LOAN> 15,769 <INTEREST-INVEST> 6,301 <INTEREST-OTHER> 389 <INTEREST-TOTAL> 22,459 <INTEREST-DEPOSIT> 9,313 <INTEREST-EXPENSE> 3,531 <INTEREST-INCOME-NET> 9,615 <LOAN-LOSSES> 575 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,380 <INCOME-PRETAX> 5,246 <INCOME-PRE-EXTRAORDINARY> 5,246 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,522 <EPS-PRIMARY> 1.71 <EPS-DILUTED> 1.71 <YIELD-ACTUAL> 3.50 <LOANS-NON> 1,202 <LOANS-PAST> 1 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,696 <ALLOWANCE-OPEN> 2,867 <CHARGE-OFFS> 396 <RECOVERIES> 32 <ALLOWANCE-CLOSE> 3,078 <ALLOWANCE-DOMESTIC> 3,078 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0