<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLODATED INCOME STATEMENTS AND CONSOLODATED BALANCE SHEETS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, 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-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           6,756
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    103,680
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        243,480
<ALLOWANCE>                                      3,931
<TOTAL-ASSETS>                                 359,844
<DEPOSITS>                                     320,424
<SHORT-TERM>                                     1,440
<LIABILITIES-OTHER>                              3,223
<LONG-TERM>                                         44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           726
<OTHER-SE>                                      33,987
<TOTAL-LIABILITIES-AND-EQUITY>                 359,844
<INTEREST-LOAN>                                 15,110
<INTEREST-INVEST>                                4,051
<INTEREST-OTHER>                                   249
<INTEREST-TOTAL>                                19,410
<INTEREST-DEPOSIT>                              10,487
<INTEREST-EXPENSE>                              10,490
<INTEREST-INCOME-NET>                            8,920
<LOAN-LOSSES>                                      255
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,880
<INCOME-PRETAX>                                  4,155
<INCOME-PRE-EXTRAORDINARY>                       4,155
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,300
<EPS-PRIMARY>                                     1.50
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    7.93
<LOANS-NON>                                      2,374
<LOANS-PAST>                                     2,180
<LOANS-TROUBLED>                                   202
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,944
<CHARGE-OFFS>                                      365
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                3,931
<ALLOWANCE-DOMESTIC>                             3,931
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>