<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          10,332
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,419
<INVESTMENTS-CARRYING>                          35,788
<INVESTMENTS-MARKET>                            35,902
<LOANS>                                        232,543
<ALLOWANCE>                                      3,559
<TOTAL-ASSETS>                                 328,921
<DEPOSITS>                                     288,923
<SHORT-TERM>                                     2,523
<LIABILITIES-OTHER>                              2,523
<LONG-TERM>                                      3,785
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,932    
<OTHER-SE>                                      23,235
<TOTAL-LIABILITIES-AND-EQUITY>                 328,921
<INTEREST-LOAN>                                 15,206
<INTEREST-INVEST>                                3,353
<INTEREST-OTHER>                                   170
<INTEREST-TOTAL>                                18,729
<INTEREST-DEPOSIT>                               8,030
<INTEREST-EXPENSE>                               8,392
<INTEREST-INCOME-NET>                           10,337
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                (31)
<EXPENSE-OTHER>                                  7,715
<INCOME-PRETAX>                                  3,628
<INCOME-PRE-EXTRAORDINARY>                       2,392
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,392
<EPS-PRIMARY>                                     3.77
<EPS-DILUTED>                                     3.77
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                        209
<LOANS-PAST>                                       616
<LOANS-TROUBLED>                                   459
<LOANS-PROBLEM>                                  2,190
<ALLOWANCE-OPEN>                                 3,368
<CHARGE-OFFS>                                      175
<RECOVERIES>                                       231
<ALLOWANCE-CLOSE>                                3,559
<ALLOWANCE-DOMESTIC>                             3,559
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0