<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           5,524
<INT-BEARING-DEPOSITS>                           1,465
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     76,211
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        273,874
<ALLOWANCE>                                        769
<TOTAL-ASSETS>                                 375,004
<DEPOSITS>                                     275,353
<SHORT-TERM>                                    50,850
<LIABILITIES-OTHER>                              6,258
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            45
<OTHER-SE>                                      42,498
<TOTAL-LIABILITIES-AND-EQUITY>                 375,004
<INTEREST-LOAN>                                 17,171
<INTEREST-INVEST>                                3,956
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                21,127
<INTEREST-DEPOSIT>                               9,701
<INTEREST-EXPENSE>                              12,077
<INTEREST-INCOME-NET>                            9,050
<LOAN-LOSSES>                                       18
<SECURITIES-GAINS>                                 174
<EXPENSE-OTHER>                                  5,343
<INCOME-PRETAX>                                  4,696
<INCOME-PRE-EXTRAORDINARY>                       3,066
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,066
<EPS-PRIMARY>                                     1.11
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    7.93
<LOANS-NON>                                        761
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   751
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  769
<ALLOWANCE-DOMESTIC>                               769
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0