<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q 9-30-97
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>                                           9,299
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    122,205
<INVESTMENTS-CARRYING>                          68,666
<INVESTMENTS-MARKET>                            66,059
<LOANS>                                        180,422
<ALLOWANCE>                                      2,888
<TOTAL-ASSETS>                                 385,494
<DEPOSITS>                                     316,368
<SHORT-TERM>                                    13,785
<LIABILITIES-OTHER>                              1,740
<LONG-TERM>                                     13,521
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,525
<OTHER-SE>                                      34,555
<TOTAL-LIABILITIES-AND-EQUITY>                 385,494
<INTEREST-LOAN>                                 11,834
<INTEREST-INVEST>                                9,200
<INTEREST-OTHER>                                   123
<INTEREST-TOTAL>                                21,157
<INTEREST-DEPOSIT>                               9,037
<INTEREST-EXPENSE>                               9,943
<INTEREST-INCOME-NET>                           11,214
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  46
<EXPENSE-OTHER>                                  7,488
<INCOME-PRETAX>                                  4,924
<INCOME-PRE-EXTRAORDINARY>                       3,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,400
<EPS-PRIMARY>                                     3.10
<EPS-DILUTED>                                     3.10
<YIELD-ACTUAL>                                     4.2
<LOANS-NON>                                      1,414
<LOANS-PAST>                                        54
<LOANS-TROUBLED>                                   178
<LOANS-PROBLEM>                                    695
<ALLOWANCE-OPEN>                                 2,966
<CHARGE-OFFS>                                      151
<RECOVERIES>                                        73
<ALLOWANCE-CLOSE>                                2,888
<ALLOWANCE-DOMESTIC>                             2,367
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            521