<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 25,487 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 919 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,293 <INVESTMENTS-CARRYING> 76,740 <INVESTMENTS-MARKET> 77,567 <LOANS> 360,363 <ALLOWANCE> (4,992) <TOTAL-ASSETS> 502,919 <DEPOSITS> 438,849 <SHORT-TERM> 26,245 <LIABILITIES-OTHER> 2,499 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,303 <OTHER-SE> 16,239 <TOTAL-LIABILITIES-AND-EQUITY> 502,919 <INTEREST-LOAN> 22,798 <INTEREST-INVEST> 4,424 <INTEREST-OTHER> 279 <INTEREST-TOTAL> 27,501 <INTEREST-DEPOSIT> 10,961 <INTEREST-EXPENSE> 11,718 <INTEREST-INCOME-NET> 15,783 <LOAN-LOSSES> 950 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,817 <INCOME-PRETAX> 6,280 <INCOME-PRE-EXTRAORDINARY> 4,455 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,455 <EPS-PRIMARY> 1.44 <EPS-DILUTED> 0.00 <YIELD-ACTUAL> 4.69 <LOANS-NON> 974 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,729 <CHARGE-OFFS> (763) <RECOVERIES> 76 <ALLOWANCE-CLOSE> 4,992 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0