<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1997 10-Q </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 2820 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 9268 <INVESTMENTS-CARRYING> 8318 <INVESTMENTS-MARKET> 8165 <LOANS> 57542 <ALLOWANCE> 1044 <TOTAL-ASSETS> 80448 <DEPOSITS> 65294 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1314 <LONG-TERM> 3824 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1488 <OTHER-SE> 8528 <TOTAL-LIABILITIES-AND-EQUITY> 80448 <INTEREST-LOAN> 3620 <INTEREST-INVEST> 924 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4544 <INTEREST-DEPOSIT> 1759 <INTEREST-EXPENSE> 1913 <INTEREST-INCOME-NET> 2631 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (13) <EXPENSE-OTHER> 1737 <INCOME-PRETAX> 1271 <INCOME-PRE-EXTRAORDINARY> 1271 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 910 <EPS-PRIMARY> 3.06 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.13 <LOANS-NON> 20 <LOANS-PAST> 90 <LOANS-TROUBLED> 52 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1020 <CHARGE-OFFS> 9 <RECOVERIES> 33 <ALLOWANCE-CLOSE> 1044 <ALLOWANCE-DOMESTIC> 60 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 984