<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 5,681 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,590 <INVESTMENTS-CARRYING> 17,832 <INVESTMENTS-MARKET> 18,012 <LOANS> 97,204 <ALLOWANCE> 1,018 <TOTAL-ASSETS> 177,893 <DEPOSITS> 149,170 <SHORT-TERM> 6,943 <LIABILITIES-OTHER> 657 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,531 <OTHER-SE> 16,592 <TOTAL-LIABILITIES-AND-EQUITY> 177,893 <INTEREST-LOAN> 6,544 <INTEREST-INVEST> 2,748 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,292 <INTEREST-DEPOSIT> 3,646 <INTEREST-EXPENSE> 3,867 <INTEREST-INCOME-NET> 5,425 <LOAN-LOSSES> 178 <SECURITIES-GAINS> (29) <EXPENSE-OTHER> 3,549 <INCOME-PRETAX> 2,612 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,906 <EPS-PRIMARY> 2.22 <EPS-DILUTED> 2.22 <YIELD-ACTUAL> 4.85 <LOANS-NON> 262 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 384 <ALLOWANCE-OPEN> 884 <CHARGE-OFFS> (76) <RECOVERIES> 32 <ALLOWANCE-CLOSE> 1,018 <ALLOWANCE-DOMESTIC> 564 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 454