<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       5,897,000
<INT-BEARING-DEPOSITS>                       4,460,000
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-CARRYING>                               0
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<ALLOWANCE>                                  1,745,000
<TOTAL-ASSETS>                             186,583,000
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<SHORT-TERM>                                 2,000,000
<LIABILITIES-OTHER>                          2,083,000
<LONG-TERM>                                  3,000,000
<PREFERRED-MANDATORY>                                0
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<COMMON>                                       851,000
<OTHER-SE>                                   5,155,000
<TOTAL-LIABILITIES-AND-EQUITY>             186,583,000
<INTEREST-LOAN>                              9,282,000
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<INTEREST-EXPENSE>                           5,147,000
<INTEREST-INCOME-NET>                        5,717,000
<LOAN-LOSSES>                                  388,000
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<EXPENSE-OTHER>                              3,926,000
<INCOME-PRETAX>                              2,442,000
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<EPS-PRIMARY>                                     1.98
<EPS-DILUTED>                                     1.93
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