<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 11,648 <INT-BEARING-DEPOSITS> 178 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,729 <INVESTMENTS-CARRYING> 21,843 <INVESTMENTS-MARKET> 21,568 <LOANS> 264,107 <ALLOWANCE> 1,618 <TOTAL-ASSETS> 326,877 <DEPOSITS> 299,148 <SHORT-TERM> 2,400 <LIABILITIES-OTHER> 3,007 <LONG-TERM> 0 <COMMON> 17 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 22,306 <TOTAL-LIABILITIES-AND-EQUITY> 326,877 <INTEREST-LOAN> 16,220 <INTEREST-INVEST> 1,628 <INTEREST-OTHER> 297 <INTEREST-TOTAL> 18,145 <INTEREST-DEPOSIT> 10,878 <INTEREST-EXPENSE> 10,893 <INTEREST-INCOME-NET> 7,252 <LOAN-LOSSES> 220 <SECURITIES-GAINS> (9) <EXPENSE-OTHER> 8,094 <INCOME-PRETAX> 2,172 <INCOME-PRE-EXTRAORDINARY> 1,342 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,342 <EPS-PRIMARY> 0.74 <EPS-DILUTED> 0.74 <YIELD-ACTUAL> 3.18 <LOANS-NON> 1,791 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,582 <CHARGE-OFFS> 194 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 1,618 <ALLOWANCE-DOMESTIC> 1,618 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0