<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