<ARTICLE>           9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          25,647
<INT-BEARING-DEPOSITS>                          64,000
<FED-FUNDS-SOLD>                                33,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,291
<INVESTMENTS-CARRYING>                          97,252
<INVESTMENTS-MARKET>                            97,383
<LOANS>                                        196,531
<ALLOWANCE>                                      4,467
<TOTAL-ASSETS>                                 471,104
<DEPOSITS>                                     184,084
<SHORT-TERM>                                       268
<LIABILITIES-OTHER>                              6,758
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      49,471
<TOTAL-LIABILITIES-AND-EQUITY>                 471,104
<INTEREST-LOAN>                                 12,762
<INTEREST-INVEST>                                7,131
<INTEREST-OTHER>                                 1,669
<INTEREST-TOTAL>                                21,562
<INTEREST-DEPOSIT>                               3,051
<INTEREST-EXPENSE>                               3,115
<INTEREST-INCOME-NET>                           18,447
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 216
<EXPENSE-OTHER>                                 26,696
<INCOME-PRETAX>                                  7,575
<INCOME-PRE-EXTRAORDINARY>                       7,575
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,967
<EPS-PRIMARY>                                     1.27
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                    6.23
<LOANS-NON>                                        360
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 4,396
<CHARGE-OFFS>                                      412
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                                4,467
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>To be provided at December 31, 1997 in the Annual Report.