<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> 9,984 <INT-BEARING-DEPOSITS> 10,844 <FED-FUNDS-SOLD> 2,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,533 <INVESTMENTS-CARRYING> 7,015 <INVESTMENTS-MARKET> 7,019 <LOANS> 225,547 <ALLOWANCE> 1,859 <TOTAL-ASSETS> 294,102 <DEPOSITS> 159,840 <SHORT-TERM> 61,523 <LIABILITIES-OTHER> 13,262 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 65 <OTHER-SE> 49,412 <TOTAL-LIABILITIES-AND-EQUITY> 294,102 <INTEREST-LOAN> 10,001 <INTEREST-INVEST> 334 <INTEREST-OTHER> 1,817 <INTEREST-TOTAL> 12,152 <INTEREST-DEPOSIT> 5,440 <INTEREST-EXPENSE> 7,101 <INTEREST-INCOME-NET> 5,051 <LOAN-LOSSES> 900 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,150 <INCOME-PRETAX> 13,186 <INCOME-PRE-EXTRAORDINARY> 13,186 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,695 <EPS-PRIMARY> 1.78 <EPS-DILUTED> 1.78 <YIELD-ACTUAL> 9.20 <LOANS-NON> 3,070 <LOANS-PAST> 0 <LOANS-TROUBLED> 130 <LOANS-PROBLEM> 2,509 <ALLOWANCE-OPEN> 1,625 <CHARGE-OFFS> 675 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,859 <ALLOWANCE-DOMESTIC> 1,859 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,613