<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated
Balance Sheets at September 30, 1997 (Unaudited) and the Consolidated
Statements of Operations for the Three Months and the Nine Months Ended
September 30, 1997 (Unaudited) and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                            5720
<INT-BEARING-DEPOSITS>                            1703
<FED-FUNDS-SOLD>                                 13530
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      23619
<INVESTMENTS-CARRYING>                             693
<INVESTMENTS-MARKET>                               693
<LOANS>                                         113436
<ALLOWANCE>                                       1689
<TOTAL-ASSETS>                                  161982
<DEPOSITS>                                      142604
<SHORT-TERM>                                      4792
<LIABILITIES-OTHER>                               1659
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1346
<OTHER-SE>                                       11581
<TOTAL-LIABILITIES-AND-EQUITY>                  161982
<INTEREST-LOAN>                                   8497
<INTEREST-INVEST>                                  915
<INTEREST-OTHER>                                   391
<INTEREST-TOTAL>                                  9803
<INTEREST-DEPOSIT>                                4446
<INTEREST-EXPENSE>                                4644
<INTEREST-INCOME-NET>                             5159
<LOAN-LOSSES>                                      256
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                   3810
<INCOME-PRETAX>                                   1845
<INCOME-PRE-EXTRAORDINARY>                        1845
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1171
<EPS-PRIMARY>                                      .81
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                          0
<LOANS-PAST>                                       151
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1487
<CHARGE-OFFS>                                      268
<RECOVERIES>                                       189
<ALLOWANCE-CLOSE>                                 1689
<ALLOWANCE-DOMESTIC>                              1689
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>