<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1997 <CASH> 4,498 <INT-BEARING-DEPOSITS> 88 <FED-FUNDS-SOLD> 4,374 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,933 <INVESTMENTS-CARRYING> 4,719 <INVESTMENTS-MARKET> 4,778 <LOANS> 91,477 <ALLOWANCE> 1,197 <TOTAL-ASSETS> 156,931 <DEPOSITS> 137,750 <SHORT-TERM> 4,495 <LIABILITIES-OTHER> 890 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,045 <OTHER-SE> 7,751 <TOTAL-LIABILITIES-AND-EQUITY> 156,931 <INTEREST-LOAN> 5,771 <INTEREST-INVEST> 2,428 <INTEREST-OTHER> 299 <INTEREST-TOTAL> 8,498 <INTEREST-DEPOSIT> 3,331 <INTEREST-EXPENSE> 3,474 <INTEREST-INCOME-NET> 4,929 <LOAN-LOSSES> 96 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,230 <INCOME-PRETAX> 2,176 <INCOME-PRE-EXTRAORDINARY> 2,176 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,454 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.20 <YIELD-ACTUAL> 4.84 <LOANS-NON> 288 <LOANS-PAST> 671 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,160 <CHARGE-OFFS> 70 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 1,197 <ALLOWANCE-DOMESTIC> 1,197 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 31