<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART
OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</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>                                          10,033
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,019
<INVESTMENTS-CARRYING>                          32,162
<INVESTMENTS-MARKET>                            32,146
<LOANS>                                        161,626
<ALLOWANCE>                                      1,898
<TOTAL-ASSETS>                                 232,257
<DEPOSITS>                                     202,933
<SHORT-TERM>                                     1,500
<LIABILITIES-OTHER>                              6,919
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,402
<OTHER-SE>                                      16,503
<TOTAL-LIABILITIES-AND-EQUITY>                 232,257
<INTEREST-LOAN>                                 11,753
<INTEREST-INVEST>                                2,355
<INTEREST-OTHER>                                    32
<INTEREST-TOTAL>                                14,140
<INTEREST-DEPOSIT>                               5,450
<INTEREST-EXPENSE>                                 135
<INTEREST-INCOME-NET>                            8,555
<LOAN-LOSSES>                                      295
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  1,543
<INCOME-PRETAX>                                  3,263
<INCOME-PRE-EXTRAORDINARY>                       3,263
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,446
<EPS-PRIMARY>                                     1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    5.46
<LOANS-NON>                                        788
<LOANS-PAST>                                       428
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,616
<ALLOWANCE-OPEN>                                 1,814
<CHARGE-OFFS>                                      288
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                1,898
<ALLOWANCE-DOMESTIC>                               856
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,042<F1>
<FN>
<F1>ALL PER SHARE AMOUNTS REFLECT A SEPTEMBER 1997 STOCK SPLIT EFFECTED IN THE
FORM OF A 100% STOCK DIVIDEND.
</FN>
        

</TABLE>