<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 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,239,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 136,887,000 <ALLOWANCE> 1,745,000 <TOTAL-ASSETS> 186,583,000 <DEPOSITS> 163,555,000 <SHORT-TERM> 2,000,000 <LIABILITIES-OTHER> 2,083,000 <LONG-TERM> 3,000,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 851,000 <OTHER-SE> 5,155,000 <TOTAL-LIABILITIES-AND-EQUITY> 186,583,000 <INTEREST-LOAN> 9,282,000 <INTEREST-INVEST> 1,559,000 <INTEREST-OTHER> 23,000 <INTEREST-TOTAL> 10,864,000 <INTEREST-DEPOSIT> 4,888,000 <INTEREST-EXPENSE> 5,147,000 <INTEREST-INCOME-NET> 5,717,000 <LOAN-LOSSES> 388,000 <SECURITIES-GAINS> 16,000 <EXPENSE-OTHER> 3,926,000 <INCOME-PRETAX> 2,442,000 <INCOME-PRE-EXTRAORDINARY> 2,442,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,665,000 <EPS-PRIMARY> 1.98 <EPS-DILUTED> 1.93 <YIELD-ACTUAL> 4.83 <LOANS-NON> 191,000 <LOANS-PAST> 386,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,440,000 <CHARGE-OFFS> 109,000 <RECOVERIES> 26,000 <ALLOWANCE-CLOSE> 1,745,000 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,745,000