<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>                                          18,802
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                23,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     75,321
<INVESTMENTS-CARRYING>                           5,746
<INVESTMENTS-MARKET>                             5,906
<LOANS>                                        132,066
<ALLOWANCE>                                      3,563
<TOTAL-ASSETS>                                 257,326
<DEPOSITS>                                     198,177
<SHORT-TERM>                                    28,850
<LIABILITIES-OTHER>                              4,058
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,011
<OTHER-SE>                                      14,866
<TOTAL-LIABILITIES-AND-EQUITY>                 257,326
<INTEREST-LOAN>                                 10,496
<INTEREST-INVEST>                                3,645
<INTEREST-OTHER>                                   980
<INTEREST-TOTAL>                                15,121
<INTEREST-DEPOSIT>                               3,043
<INTEREST-EXPENSE>                               4,084
<INTEREST-INCOME-NET>                           11,037
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                (10)
<EXPENSE-OTHER>                                  8,124
<INCOME-PRETAX>                                  6,216
<INCOME-PRE-EXTRAORDINARY>                       6,216
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,708
<EPS-PRIMARY>                                     1.65
<EPS-DILUTED>                                     1.65
<YIELD-ACTUAL>                                    .066
<LOANS-NON>                                        513
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,158
<CHARGE-OFFS>                                      106
<RECOVERIES>                                       136
<ALLOWANCE-CLOSE>                                3,563
<ALLOWANCE-DOMESTIC>                             3,563
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0