<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
Balance Sheet, and Statement of Income, 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>                                         12,436
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                               10,500
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     1,589
<INVESTMENTS-CARRYING>                         13,703
<INVESTMENTS-MARKET>                           13,870
<LOANS>                                        79,309
<ALLOWANCE>                                     1,587
<TOTAL-ASSETS>                                120,244
<DEPOSITS>                                    107,442
<SHORT-TERM>                                    1,000
<LIABILITIES-OTHER>                             1,165
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0                                   
<COMMON>                                        4,352
<OTHER-SE>                                      6,285
<TOTAL-LIABILITIES-AND-EQUITY>                120,244
<INTEREST-LOAN>                                 5,994          
<INTEREST-INVEST>                                 732
<INTEREST-OTHER>                                  321
<INTEREST-TOTAL>                                7,047
<INTEREST-DEPOSIT>                              2,126
<INTEREST-EXPENSE>                              2,140
<INTEREST-INCOME-NET>                           4,907
<LOAN-LOSSES>                                     180
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 4,345
<INCOME-PRETAX>                                 2,260
<INCOME-PRE-EXTRAORDINARY>                      2,260
<EXTRAORDINARY>                                     0
<CHANGES>                                           0      
<NET-INCOME>                                    1,314
<EPS-PRIMARY>                                    1.37
<EPS-DILUTED>                                    1.37
<YIELD-ACTUAL>                                   9.65
<LOANS-NON>                                       707
<LOANS-PAST>                                      159
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,587
<CHARGE-OFFS>                                      42
<RECOVERIES>                                       22
<ALLOWANCE-CLOSE>                               1,587
<ALLOWANCE-DOMESTIC>                            1,587
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        

</TABLE>