<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> 10,289 <INT-BEARING-DEPOSITS> 1,744 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,227 <INVESTMENTS-CARRYING> 27,010 <INVESTMENTS-MARKET> 32,557 <LOANS> 432,143 <ALLOWANCE> 1,266 <TOTAL-ASSETS> 502,186 <DEPOSITS> 374,184 <SHORT-TERM> 72,134 <LIABILITIES-OTHER> 7,711 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,216 <OTHER-SE> 44,941 <TOTAL-LIABILITIES-AND-EQUITY> 502,186 <INTEREST-LOAN> 25,093 <INTEREST-INVEST> 1,840 <INTEREST-OTHER> 705 <INTEREST-TOTAL> 27,638 <INTEREST-DEPOSIT> 12,729 <INTEREST-EXPENSE> 15,435 <INTEREST-INCOME-NET> 12,203 <LOAN-LOSSES> 166 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,427 <INCOME-PRETAX> 6,488 <INCOME-PRE-EXTRAORDINARY> 6,488 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,340 <EPS-PRIMARY> 1.35 <EPS-DILUTED> 1.35 <YIELD-ACTUAL> 3.57 <LOANS-NON> 700 <LOANS-PAST> 1,031 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,247 <CHARGE-OFFS> 156 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,266 <ALLOWANCE-DOMESTIC> 5 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,261