<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
                   Appendix C to Item 601(c) of Regulation S-K
                    (ARTICLE 9 OF REGULATION S-X BANK HOLDING
                 COMPANIES AND SAVINGS & LOAN HOLDING COMPANIES)
       THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
    THE REGISTRANTS INTERIM FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED
        SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
                          TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                           DEC-31-1997
<PERIOD-END>                                SEP-30-1997
<CASH>                                            2,690
<INT-BEARING-DEPOSITS>                           14,300
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      30,410
<INVESTMENTS-CARRYING>                          107,550
<INVESTMENTS-MARKET>                            107,550
<LOANS>                                         120,971
<ALLOWANCE>                                       3,065
<TOTAL-ASSETS>                                  284,738
<DEPOSITS>                                      215,516
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 955
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         30,692
<OTHER-SE>                                        8,189
<TOTAL-LIABILITIES-AND-EQUITY>                  284,738
<INTEREST-LOAN>                                   7,665
<INTEREST-INVEST>                                 6,876
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 14,407
<INTEREST-DEPOSIT>                                6,937
<INTEREST-EXPENSE>                                7,574
<INTEREST-INCOME-NET>                             6,433
<LOAN-LOSSES>                                       400
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   4,190
<INCOME-PRETAX>                                   2,447
<INCOME-PRE-EXTRAORDINARY>                        2,447
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,564
<EPS-PRIMARY>                                       .57
<EPS-DILUTED>                                       .57
<YIELD-ACTUAL>                                     7.39
<LOANS-NON>                                       2,192
<LOANS-PAST>                                      2,192
<LOANS-TROUBLED>                                    761
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,126
<CHARGE-OFFS>                                       461
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 3,065
<ALLOWANCE-DOMESTIC>                              3,065
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>