<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1997 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-END>                               SEP-30-1997
<CASH>                                             867
<INT-BEARING-DEPOSITS>                             866
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,497
<INVESTMENTS-CARRYING>                          21,462
<INVESTMENTS-MARKET>                            21,644
<LOANS>                                         90,896
<ALLOWANCE>                                        722
<TOTAL-ASSETS>                                 149,850
<DEPOSITS>                                     105,826
<SHORT-TERM>                                    16,500
<LIABILITIES-OTHER>                              1,158
<LONG-TERM>                                     16,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,366
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 149,850
<INTEREST-LOAN>                                  5,218
<INTEREST-INVEST>                                2,742
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,960
<INTEREST-DEPOSIT>                               3,767
<INTEREST-EXPENSE>                               4,955
<INTEREST-INCOME-NET>                            3,005
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                 181
<EXPENSE-OTHER>                                  1,895
<INCOME-PRETAX>                                   1502
<INCOME-PRE-EXTRAORDINARY>                        1502
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       954
<EPS-PRIMARY>                                     2.59
<EPS-DILUTED>                                     2.57
<YIELD-ACTUAL>                                    2.89
<LOANS-NON>                                        746
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   686
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  722
<ALLOWANCE-DOMESTIC>                               659
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             63