<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> 4,309 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,249 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 130,010 <ALLOWANCE> 1,764 <TOTAL-ASSETS> 158,679 <DEPOSITS> 129,702 <SHORT-TERM> 5,753 <LIABILITIES-OTHER> 1,458 <LONG-TERM> 8,799 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,020 <OTHER-SE> 6,947 <TOTAL-LIABILITIES-AND-EQUITY> 158,679 <INTEREST-LOAN> 8,968 <INTEREST-INVEST> 878 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,846 <INTEREST-DEPOSIT> 4,006 <INTEREST-EXPENSE> 4,293 <INTEREST-INCOME-NET> 5,553 <LOAN-LOSSES> 465 <SECURITIES-GAINS> (9) <EXPENSE-OTHER> 5,215 <INCOME-PRETAX> 2,592 <INCOME-PRE-EXTRAORDINARY> 1,646 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,646 <EPS-PRIMARY> 2.89 <EPS-DILUTED> 2.89 <YIELD-ACTUAL> 9.72 <LOANS-NON> 136 <LOANS-PAST> 479 <LOANS-TROUBLED> 81 <LOANS-PROBLEM> 1,356 <ALLOWANCE-OPEN> 1,544 <CHARGE-OFFS> 267 <RECOVERIES> 22 <ALLOWANCE-CLOSE> 1,764 <ALLOWANCE-DOMESTIC> 1,024 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 740