<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF PINNACLE FOR THE NINE MONTHS ENDED SEPTEMBER
30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL 
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                              JAN-1-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       2,599,229
<INT-BEARING-DEPOSITS>                       6,964,572
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 40,986,934
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    138,060,527
<ALLOWANCE>                                  1,037,792
<TOTAL-ASSETS>                             200,100,235
<DEPOSITS>                                 177,050,010
<SHORT-TERM>                                   120,000
<LIABILITIES-OTHER>                          3,079,388
<LONG-TERM>                                  3,520,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,796
<OTHER-SE>                                  16,313,041
<TOTAL-LIABILITIES-AND-EQUITY>             200,100,235
<INTEREST-LOAN>                              9,304,472
<INTEREST-INVEST>                            2,246,961
<INTEREST-OTHER>                               255,441
<INTEREST-TOTAL>                            11,806,874
<INTEREST-DEPOSIT>                           6,483,577
<INTEREST-EXPENSE>                           6,639,065
<INTEREST-INCOME-NET>                        5,167,809
<LOAN-LOSSES>                                  224,274
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,427,611
<INCOME-PRETAX>                              2,520,422
<INCOME-PRE-EXTRAORDINARY>                   1,580,396
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,580,396
<EPS-PRIMARY>                                      .89
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.26
<LOANS-NON>                                    433,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,197,854
<CHARGE-OFFS>                                  406,610
<RECOVERIES>                                    22,274
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,037,792