<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> 15,520 <INT-BEARING-DEPOSITS> 215 <FED-FUNDS-SOLD> 1,125 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,185 <INVESTMENTS-CARRYING> 11,696 <INVESTMENTS-MARKET> 11,950 <LOANS> 262,531 <ALLOWANCE> 2,550 <TOTAL-ASSETS> 364,534 <DEPOSITS> 282,229 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,664 <LONG-TERM> 45,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 713 <OTHER-SE> 28,091 <TOTAL-LIABILITIES-AND-EQUITY> 364,534 <INTEREST-LOAN> 18,476 <INTEREST-INVEST> 3,522 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 21,998 <INTEREST-DEPOSIT> 7,794 <INTEREST-EXPENSE> 9,740 <INTEREST-INCOME-NET> 12,258 <LOAN-LOSSES> 965 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,408 <INCOME-PRETAX> 2,335 <INCOME-PRE-EXTRAORDINARY> 2,335 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,709 <EPS-PRIMARY> 2.39 <EPS-DILUTED> 2.39 <YIELD-ACTUAL> 4.94 <LOANS-NON> 560 <LOANS-PAST> 513 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,435 <CHARGE-OFFS> 1,025 <RECOVERIES> 175 <ALLOWANCE-CLOSE> 2,550 <ALLOWANCE-DOMESTIC> 1,947 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 603