<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          16,294
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     60,383
<INVESTMENTS-CARRYING>                          70,749
<INVESTMENTS-MARKET>                            71,249
<LOANS>                                        212,033
<ALLOWANCE>                                      2,905
<TOTAL-ASSETS>                                 388,670
<DEPOSITS>                                     305,317
<SHORT-TERM>                                    42,225
<LIABILITIES-OTHER>                              2,689
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      32,452
<TOTAL-LIABILITIES-AND-EQUITY>                 388,670
<INTEREST-LOAN>                                 14,103
<INTEREST-INVEST>                                5,912
<INTEREST-OTHER>                                   582
<INTEREST-TOTAL>                                20,597
<INTEREST-DEPOSIT>                               7,414
<INTEREST-EXPENSE>                               8,742
<INTEREST-INCOME-NET>                           11,855
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,849
<INCOME-PRETAX>                                  5,888
<INCOME-PRE-EXTRAORDINARY>                       3,768
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,768
<EPS-PRIMARY>                                     6.30<F1>
<EPS-DILUTED>                                     6.30<F1>
<YIELD-ACTUAL>                                    4.64<F1>
<LOANS-NON>                                         16
<LOANS-PAST>                                       139
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,030<F2>
<ALLOWANCE-OPEN>                                 2,370
<CHARGE-OFFS>                                      344
<RECOVERIES>                                       279
<ALLOWANCE-CLOSE>                                2,905
<ALLOWANCE-DOMESTIC>                             2,905
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        
<FN>
<F1>MULTIPLIER IS NOT APPLICABLE TO EPS FIGURES OR YIELD
<F2>INCLUDES NON-ACCRUAL LOANS OF $16 AND CONFEDERATED LIFE CLASSIFIED
    ASSET OF $2,014
</FN>

</TABLE>