<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           4,065
<INT-BEARING-DEPOSITS>                             694
<FED-FUNDS-SOLD>                                 2,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,771
<INVESTMENTS-CARRYING>                          15,204
<INVESTMENTS-MARKET>                            15,269
<LOANS>                                         27,462
<ALLOWANCE>                                        599
<TOTAL-ASSETS>                                  64,035
<DEPOSITS>                                      55,289
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                175
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           600
<OTHER-SE>                                       7,832
<TOTAL-LIABILITIES-AND-EQUITY>                  64,035
<INTEREST-LOAN>                                  1,930
<INTEREST-INVEST>                                1,232
<INTEREST-OTHER>                                   191
<INTEREST-TOTAL>                                 3,353
<INTEREST-DEPOSIT>                               1,046
<INTEREST-EXPENSE>                               1,046
<INTEREST-INCOME-NET>                            2,307
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    439
<INCOME-PRETAX>                                  1,064
<INCOME-PRE-EXTRAORDINARY>                       1,064
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       743
<EPS-PRIMARY>                                     6.19
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.37
<LOANS-NON>                                        351
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                    14
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   614
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  599
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            599