<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1997,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 1997
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.

</LEGEND>
<MULTIPLIER>                                                              1,000
       
<S>                                                    <C>
<PERIOD-TYPE>                                          9-MOS
<FISCAL-YEAR-END>                                      DEC-31-1997
<PERIOD-END>                                           SEP-30-1997
<CASH>                                                                    6,011
<INT-BEARING-DEPOSITS>                                                    1,341
<FED-FUNDS-SOLD>                                                          8,005
<TRADING-ASSETS>                                                            101
<INVESTMENTS-HELD-FOR-SALE>                                              13,826
<INVESTMENTS-CARRYING>                                                   13,834
<INVESTMENTS-MARKET>                                                     17,407
<LOANS>                                                                  86,710
<ALLOWANCE>                                                               1,091
<TOTAL-ASSETS>                                                          137,154
<DEPOSITS>                                                              114,824
<SHORT-TERM>                                                              7,960
<LIABILITIES-OTHER>                                                         733
<LONG-TERM>                                                               1,060
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  9,055
<OTHER-SE>                                                                3,522
<TOTAL-LIABILITIES-AND-EQUITY>                                          137,154
<INTEREST-LOAN>                                                           5,544
<INTEREST-INVEST>                                                         1,301
<INTEREST-OTHER>                                                            237
<INTEREST-TOTAL>                                                          7,082
<INTEREST-DEPOSIT>                                                        2,962
<INTEREST-EXPENSE>                                                        3,135
<INTEREST-INCOME-NET>                                                     3,947
<LOAN-LOSSES>                                                               258
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           2,948
<INCOME-PRETAX>                                                           1,300
<INCOME-PRE-EXTRAORDINARY>                                                1,300
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                872
<EPS-PRIMARY>                                                              0.33
<EPS-DILUTED>                                                              0.33
<YIELD-ACTUAL>                                                             4.70
<LOANS-NON>                                                                 365
<LOANS-PAST>                                                                104
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                             469
<ALLOWANCE-OPEN>                                                            876
<CHARGE-OFFS>                                                                74
<RECOVERIES>                                                                 31
<ALLOWANCE-CLOSE>                                                         1,091
<ALLOWANCE-DOMESTIC>                                                      1,091
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0
        

</TABLE>