<TABLE> <S> <C>


<ARTICLE>                                                                     9
<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>                                                                    4,315
<INT-BEARING-DEPOSITS>                                                      100
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              16,038
<INVESTMENTS-CARRYING>                                                   16,038
<INVESTMENTS-MARKET>                                                     16,038
<LOANS>                                                                  61,230
<ALLOWANCE>                                                                (236)
<TOTAL-ASSETS>                                                           85,801
<DEPOSITS>                                                               61,741
<SHORT-TERM>                                                              5,500
<LIABILITIES-OTHER>                                                       2,349
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  7,563
<OTHER-SE>                                                                8,648
<TOTAL-LIABILITIES-AND-EQUITY>                                           85,801
<INTEREST-LOAN>                                                           3,631
<INTEREST-INVEST>                                                           698
<INTEREST-OTHER>                                                            167
<INTEREST-TOTAL>                                                          4,496
<INTEREST-DEPOSIT>                                                        2,123
<INTEREST-EXPENSE>                                                        2,294
<INTEREST-INCOME-NET>                                                     2,202
<LOAN-LOSSES>                                                               (17)
<SECURITIES-GAINS>                                                          (51)
<EXPENSE-OTHER>                                                             901
<INCOME-PRETAX>                                                           1,386
<INCOME-PRE-EXTRAORDINARY>                                                  872
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                872
<EPS-PRIMARY>                                                               .69
<EPS-DILUTED>                                                               .68
<YIELD-ACTUAL>                                                             3.98
<LOANS-NON>                                                                 318
<LOANS-PAST>                                                                318
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            236
<CHARGE-OFFS>                                                                18
<RECOVERIES>                                                                  1
<ALLOWANCE-CLOSE>                                                           236
<ALLOWANCE-DOMESTIC>                                                          0
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     236
        


</TABLE>