<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                               1,325
<INT-BEARING-DEPOSITS>                              11,882
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        120,719
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            262,007
<ALLOWANCE>                                          3,078
<TOTAL-ASSETS>                                     401,437
<DEPOSITS>                                         273,502
<SHORT-TERM>                                        56,868
<LIABILITIES-OTHER>                                  3,156
<LONG-TERM>                                         21,257
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               234
<OTHER-SE>                                          46,420
<TOTAL-LIABILITIES-AND-EQUITY>                     401,437
<INTEREST-LOAN>                                     15,769
<INTEREST-INVEST>                                    6,301
<INTEREST-OTHER>                                       389
<INTEREST-TOTAL>                                    22,459
<INTEREST-DEPOSIT>                                   9,313
<INTEREST-EXPENSE>                                   3,531
<INTEREST-INCOME-NET>                                9,615
<LOAN-LOSSES>                                          575
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,380
<INCOME-PRETAX>                                      5,246
<INCOME-PRE-EXTRAORDINARY>                           5,246
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         3,522
<EPS-PRIMARY>                                         1.71
<EPS-DILUTED>                                         1.71
<YIELD-ACTUAL>                                        3.50
<LOANS-NON>                                          1,202
<LOANS-PAST>                                             1
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,696
<ALLOWANCE-OPEN>                                     2,867
<CHARGE-OFFS>                                          396
<RECOVERIES>                                            32
<ALLOWANCE-CLOSE>                                    3,078
<ALLOWANCE-DOMESTIC>                                 3,078
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>