<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPT. 30,
1997 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           6,170
<INT-BEARING-DEPOSITS>                           7,452
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,816
<INVESTMENTS-CARRYING>                           6,294
<INVESTMENTS-MARKET>                             6,534
<LOANS>                                        234,644
<ALLOWANCE>                                      4,066
<TOTAL-ASSETS>                                 364,130
<DEPOSITS>                                     316,048
<SHORT-TERM>                                     3,158
<LIABILITIES-OTHER>                              5,491
<LONG-TERM>                                        671
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           390
<OTHER-SE>                                      38,372
<TOTAL-LIABILITIES-AND-EQUITY>                  38,762
<INTEREST-LOAN>                                  5,325
<INTEREST-INVEST>                                1,797
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,122
<INTEREST-DEPOSIT>                               2,840
<INTEREST-EXPENSE>                               2,870
<INTEREST-INCOME-NET>                            4,252
<LOAN-LOSSES>                                    (126)
<SECURITIES-GAINS>                                  21
<EXPENSE-OTHER>                                  2,272
<INCOME-PRETAX>                                  2,865
<INCOME-PRE-EXTRAORDINARY>                       2,865
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,704
<EPS-PRIMARY>                                    $0.42
<EPS-DILUTED>                                    $0.42
<YIELD-ACTUAL>                                    4.95
<LOANS-NON>                                      1,107
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,399
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,533
<CHARGE-OFFS>                                      522
<RECOVERIES>                                       419
<ALLOWANCE-CLOSE>                                (364)
<ALLOWANCE-DOMESTIC>                             4,066
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0