<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS 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> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                            7487
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 29137
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      64975
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         103926
<ALLOWANCE>                                       1181
<TOTAL-ASSETS>                                  220986
<DEPOSITS>                                      165439
<SHORT-TERM>                                     33153
<LIABILITIES-OTHER>                               1613
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         15904
<OTHER-SE>                                        3956
<TOTAL-LIABILITIES-AND-EQUITY>                  220986
<INTEREST-LOAN>                                   7341
<INTEREST-INVEST>                                 3875
<INTEREST-OTHER>                                   567
<INTEREST-TOTAL>                                 11783
<INTEREST-DEPOSIT>                                3763
<INTEREST-EXPENSE>                                5097
<INTEREST-INCOME-NET>                             6686
<LOAN-LOSSES>                                      190
<SECURITIES-GAINS>                                 188
<EXPENSE-OTHER>                                   7200
<INCOME-PRETAX>                                   1893
<INCOME-PRE-EXTRAORDINARY>                        1330
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1330
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                        873
<LOANS-PAST>                                        47
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                  1119
<CHARGE-OFFS>                                      227
<RECOVERIES>                                        99
<ALLOWANCE-CLOSE>                                 1181
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THESE ITEMS NOT REQUIRED BY REGULATION SB.
</FN>
        

</TABLE>