<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      10,792,000
<INT-BEARING-DEPOSITS>                       3,274,000
<FED-FUNDS-SOLD>                             1,693,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,277,000
<INVESTMENTS-CARRYING>                      32,032,000
<INVESTMENTS-MARKET>                        32,286,000
<LOANS>                                    137,175,000
<ALLOWANCE>                                  1,476,000
<TOTAL-ASSETS>                             199,130,000
<DEPOSITS>                                 157,604,000
<SHORT-TERM>                                12,262,000
<LIABILITIES-OTHER>                          3,071,000
<LONG-TERM>                                  3,350,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,000
<OTHER-SE>                                  22,600,000
<TOTAL-LIABILITIES-AND-EQUITY>             199,130,000
<INTEREST-LOAN>                              8,713,000
<INTEREST-INVEST>                            1,818,000
<INTEREST-OTHER>                               189,000
<INTEREST-TOTAL>                            10,420,000
<INTEREST-DEPOSIT>                           4,264,000
<INTEREST-EXPENSE>                           4,920,000
<INTEREST-INCOME-NET>                        5,500,000
<LOAN-LOSSES>                                  129,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,231,000
<INCOME-PRETAX>                              2,254,000
<INCOME-PRE-EXTRAORDINARY>                   2,254,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,462,000
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                    369,000
<LOANS-PAST>                                   181,000
<LOANS-TROUBLED>                               228,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,186,000
<CHARGE-OFFS>                                  206,000
<RECOVERIES>                                    22,000
<ALLOWANCE-CLOSE>                            1,476,000
<ALLOWANCE-DOMESTIC>                         1,476,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,476,000